# EDGAR Filing Document

**Accession Number:** 0001889966
**File Stem:** 0001213900-25-117737
**Filing Date:** 2025-12
**Character Count:** 1808360
**Document Hash:** c96ce8b6b9081e8e377fb077acc0cc69
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-25-117737.hdr.sgml**: 20251203

**ACCESSION NUMBER**: 0001213900-25-117737

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

**PUBLIC DOCUMENT COUNT**: 35

**CONFORMED PERIOD OF REPORT**: 20251203

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

**FILED AS OF DATE**: 20251203

**DATE AS OF CHANGE**: 20251203

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Sutton Funding LLC
- **CENTRAL INDEX KEY:** 0001889966

**ORGANIZATION NAME:**
- **EIN:** 261705786
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-05871
- **FILM NUMBER:** 251546049

**BUSINESS ADDRESS:**
- **STREET 1:** 100 SOUTH WEST STREET
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19801
- **BUSINESS PHONE:** 212-526-9352

**MAIL ADDRESS:**
- **STREET 1:** 2711 CENTERVILLE ROAD, SUITE 400
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Sutton Funding LLC
- **CENTRAL INDEX KEY:** 0001889966

**ORGANIZATION NAME:**
- **EIN:** 261705786
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 100 SOUTH WEST STREET
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19801
- **BUSINESS PHONE:** 212-526-9352

**MAIL ADDRESS:**
- **STREET 1:** 2711 CENTERVILLE ROAD, SUITE 400
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Sutton Funding LLC
- **CENTRAL INDEX KEY:** 0001889966

**ORGANIZATION NAME:**
- **EIN:** 261705786
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 100 SOUTH WEST STREET
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19801
- **BUSINESS PHONE:** 212-526-9352

**MAIL ADDRESS:**
- **STREET 1:** 2711 CENTERVILLE ROAD, SUITE 400
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808

OMB Number: 3235-0675

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G OF**

**THE SECURITIES EXCHANGE ACT OF 1934**

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

☐ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period______________ to _________________

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

Name and telephone number, including area code, of the person<br> 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 sponsor: <u>0001889966</u> 

Barclays Mortgage Loan Trust 2025-NQM7

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

Central Index Key Number of issuing entity (if applicable): <u>Not applicable</u>

Central Index Key Number of underwriter (if applicable): <u>Not applicable</u>

Sanyogita Lakhera (212) 526-4149

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

to contact in connection with this filing.

**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 Issuing Entity**

The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached Exhibit 99 to this Form ABS-15G. Please see the Exhibit Index for the related information.

The reports attached to this Form ABS-15G include the below 72 mortgage loans, with an aggregate unpaid principal balance of $20,621,069.05 that will not be included in the transaction.

**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.

---

| | | |
|:---|:---|:---|
|  | SUTTON FUNDING LLC | SUTTON FUNDING LLC |
| Date: December 3, 2025 | By: | /s/ Sanyogita Lakhera |
|  | Name: | Sanyogita Lakhera |
|  | Title: | Authorized Signatory |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1 - Third Party Due Diligence Report – AMC Narrative](ea026816401_ex99-1.htm)

[Schedule 1 – Data Compare](ea026816401_ex99-1sch1.htm)

[Schedule 2 – Exception Grades](ea026816401_ex99-1sch2.htm)

[Schedule 3 – RA Grades](ea026816401_ex99-1sch3.htm)

[Schedule 4 – Valuation Summary](ea026816401_ex99-1sch4.htm)

[99.2 - Third Party Due Diligence Report – Consolidated Analytics Narrative](ea026816401_ex99-2.htm)

[Schedule 1 – Data Compare Report](ea026816401_ex99-2sch1.htm)

[Schedule 2 – Due Diligence Standard Report](ea026816401_ex99-2sch2.htm)

[Schedule 3 – RA Grades Summary](ea026816401_ex99-2sch3.htm)

[Schedule 4 – Valuation Report](ea026816401_ex99-2sch4.htm)

[99.3 - Third Party Due Diligence Report – Clarifii Narrative](ea026816401_ex99-3.htm)

[Schedule 1 – ATR QM Report](ea026816401_ex99-3sch1.htm)

[Schedule 2 – Data Compare Report](ea026816401_ex99-3sch2.htm)

[Schedule 3 – Rating Agency Grades Detail](ea026816401_ex99-3sch3.htm)

[Schedule 4 – Rating Agency Grades Summary](ea026816401_ex99-3sch4.htm)

[Schedule 5 – Valuation Report](ea026816401_ex99-3sch5.htm)

[99.4 - Third Party Due Diligence Report – Maxwell Narrative](ea026816401_ex99-4.htm)

[Schedule 1 – Grading Report](ea026816401_ex99-4sch1.htm)

[Schedule 2 – Standard Exceptions Report](ea026816401_ex99-4sch2.htm)

[Schedule 3 – Valuations Report](ea026816401_ex99-4sch3.htm)

[99.5 - Third Party Due Diligence Report – Selene Narrative](ea026816401_ex99-5.htm)

[Schedule 1 – RA Grades Summary](ea026816401_ex99-5sch1.htm)

[Schedule 2 – Standard Findings Report](ea026816401_ex99-5sch2.htm)

[Schedule 3 – Valuation Report](ea026816401_ex99-5sch3.htm)

## Exhibit 99.1

**Exhibit 99.1**

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by Sutton Funding LLC (the "Client") through flow reviews and acquired by reliance letter. The Review on mortgage loans with origination dates from October 2024 through November 2024 via files imaged and provided by the Client's designee for review. The Review included loans reviewed under the Credit and Compliance Scope (152 loans). The loans reviewed using the Credit and Compliance Scope are together referred to as the mortgage loans.

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

The initial population consisted of 152 mortgage loans.

The final population of the Review covered 152 mortgage loans totaling an aggregate original principal balance of approximately $13.664 million. To AMC's knowledge, the Review covered 100% of the securitization loan population.

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

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), identified in Item 3 of the ABS Due Diligence-15E.

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

AMC compared data fields on the tape provided by the Client to the data found in the actual mortgage loan file as captured by AMC. For the purposes of this disclosure, AMC's review only included fields that were included in a related data integrity review being performed by another vendor and did not include all fields that may have been available for data comparison at the time of original acquisition. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Zip |

---

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)") were used in the assessment of conformity guidelines.

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

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

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

**Credit Report:** AMC's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to the 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.

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**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 the 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, (vi) IRS tax transcripts, and (vii) Bank Statements.

**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 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.

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

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

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

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

**Title Review:** AMC's review included a review of the chain of title and the duration of ownership by the seller or borrower (whichever is applicable) and ensured that the title conformed with the guidelines. Included in this review was 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 that was 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.

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**DATA COLLECTION**

AMC will compare data fields on the bid tape provided by the client to the data found in the actual file as captured by AMC. All material discrepancies will be noted.

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

AMC's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. AMC's review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guideline requirements, (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 the 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 the 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.

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

Please be advised that SitusAMC will 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 will uncover 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 will uncover all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by SitusAMC are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which SitusAMC is relying in reaching such findings.

Please be further advised that SitusAMC does not employ personnel who are licensed to practice law in the various jurisdictions covered in the Review, and the findings set forth in any report prepared by SitusAMC does not constitute legal advice or legal opinions whatsoever. The findings are recommendations or conclusions based on information provided to SitusAMC. Information contained in any SitusAMC 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 SitusAMC 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 SitusAMC 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. SitusAMC does not make any representation or warranty as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by SitusAMC.

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SitusAMC will review each residential mortgage loan to determine, as applicable, and to the extent possible and subject to the caveats below, whether the mortgage loan complies with each of the laws, rules and regulations specified below, in each case as the same may be amended, supplemented, replaced or otherwise modified from time to time pursuant to applicable law. With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, the compliance review is limited to the specific components enumerated below with the testing of those components in accordance with the SFA TRID Compliance Review Scope ("TRID Grid"), published by the Structured Finance Association ("SFA"). All other TRID testing, including other components of the TRID Grid, that are not explicitly enumerated below are considered outside of scope for purposes of this review.

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

iv) failure to provide the three (3) specific business day rescission period;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) missing
 or incorrect rescission expiration date on rescission notice;

vi) "I wish to cancel" section of rescission notice is signed by borrower;

vii) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means, for closed end transactions, 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 for open-end transactions, the information that must be provided to satisfy the requirements in §<u>1026.6</u> with regard to the method of determining the finance charge and the balance upon which a finance charge will be imposed, the annual percentage rate, the amount or method of determining the amount of any membership or participation fee that may be imposed as part of the plan, and the payment information described in §<u>1026.40</u>(d)(5)(i) and (ii) that is required under §<u>1026.6</u>(e)(2); and

viii) 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>Tolerances (§§1026.18, 22 and 23):</u> 

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Payment Tables (§1026.18, §1026.38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate disclosure
 of applicable payment tables on page 1 of the TIL or CD

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>TILA Section 130(b) Corrections and Other Remediations</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) with respect to
 applicable exception remediation measures, confirm the remediation was performed in accordance
 with regulatory and/or statutory requirements, and, where applicable, the SFA Compliance
 Review Scope methodology (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).

&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;

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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(d)-(e)):</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) if requested by the client, review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

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

&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(g)):</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) 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.); the Department
 of Veterans Affairs (38 C.F.R. Part 36 et seq.); and the U.S. Department of Agriculture (7
 CFR Part 3555);

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

&nbsp;&nbsp;&nbsp;&nbsp;e) Prepayment
 penalty restrictions (12 C.F.R. 1026.43(g)).

SitusAMC will review 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). SitusAMC determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, SitusAMC notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, SitusAMC 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, SitusAMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file:

&nbsp;&nbsp;&nbsp;&nbsp;(i) the
 mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature,
 negative amortization, or loan term exceeding 30 years),

&nbsp;&nbsp;&nbsp;&nbsp;(ii) the
 "points and fees" exceed the applicable QM threshold,

&nbsp;&nbsp;&nbsp;&nbsp;(iii) the
 monthly payment was calculated appropriately,

&nbsp;&nbsp;&nbsp;&nbsp;(iv) the
 creditor considered and verified income or assets at or before consummation,

&nbsp;&nbsp;&nbsp;&nbsp;(v) the
 creditor appropriately considered debt obligations, alimony and child support, and

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&nbsp;&nbsp;&nbsp;&nbsp;(vi) based
 on the application date, defined in accordance with 1026.2(a)(3)(ii), and the loan designation
 provided on the subject loan:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. **Temporary QM (Agency/GSE Salable) –** Loans submitted with a loan designation of<br>
 Temporary SHQM (GSE/Agency Eligible) or Temporary HPQM (GSE/Agency Eligible)

&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. If
 loan application date is prior to 7/1/2021 or loan was purchased/securitized on or before
 8/31/21, the loan will be evaluated to confirm it is salable to the GSEs.

&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. If
 loan application date is on or after 7/1/2021 or loan was purchased/securitized after 8/31/21
 - an exception indicating loan is not eligible to be GSE Temp QM will be cited based on the
 GSE requirement for loan applications on or after 7/1/2021 to meet General QM (APOR) pricing
 based criteria to be salable,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. **QM Based on Appendix Q –** Loans submitted with a loan designation of Safe Harbor QM,<br>
 Higher Priced QM, Safe Harbor QM (43-Q), or Higher Priced QM (43-Q)

&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. If
 the loan application date is prior to 3/1/2021 – determine whether at the time of consummation,
 the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation
 Z)

&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. If
 the loan application date is on or after 3/1/2021, but before 10/1/2022 – determine
 whether at the time of consummation, the debt-to-income ratio exceeds 43% (calculated in
 accordance with Appendix Q to Regulation Z)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. **QM Based on APOR (Pricing-Based) –** Loans with an application date on or after<br>
 3/1/2021, submitted with a loan designation of Safe Harbor QM (APOR), or Higher Priced QM
 (APOR), the QM considerations will be based on 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 creditor's guidelines without a documented
 exception and compensating factors.

*QM loans with application dates on or after 10/1/22 are required to be either Safe Harbor QM (APOR) or Higher Priced QM (APOR)*

***Verification Safe Harbor***

Pursuant to the November 2021 SFA TPR Scope of Review for Verification Safe Harbor under General QM Rule (<u>https://structuredfinance.org/wp-content/uploads/2021/11/SFA-TPR-Scope-of-Review-for-QM-VSH-Scope-of-Review-FINAL.pdf</u>) SitusAMC has adopted the following approach with respect to Verification Safe Harbor:

**VSH Indicator** – For loans originated under the new General QM (APOR) pricing-based threshold, the lender will be required to document the Verification Safe Harbor (VSH) indicator. SitusAMC will capture, but will not verify the VSH indicator. If the lender does not provide a VSH indicator, the VSH for the loan will be identified as "Not Stated".

**VSH Indicator Discrepancy** – Optional add-on service for loans submitted with a VSH Indicator of "Yes" (loan meets VSH). If a loan was submitted indicating VSH is met, client has the option to have SitusAMC review documentation in file and identify variances between documentation in file and guidelines used that could be indicative of an inaccurate VSH indicator. For all options below, the VSH indicator and determination method will be provided by the lender (within loan images, on the data tape, deal notes, or as part of the loan program/guidelines to which loans are originated). SitusAMC's evaluation will be limited to review of the documents against the guidelines used and identified by the lender to meet VSH. Review and verification that guidelines used meet VSH requirements under the regulation (particularly for options 2 and 3 where guidelines used are not one of those explicitly enumerated in the regulation) are outside of SitusAMC's scope. Lender is responsible for affirming guidelines used meet VSH standard requirements:

· <u>Option 1: VSH via reference to guidelines explicitly enumerated in the regulation (June 2020 GSE Guides)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Lender
 identifies that loan utilizes one of the GSE June 2020 guidelines specified in the regulation
 to meet VSH

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o For
 loans identified by lender to have VSH status, SitusAMC will determine documentation variances
 that would cause one to question the VSH attestation from the lender. If variances are identified,
 loan would not be identified by SitusAMC to meet the VSH documentation requirements (i.e.,
 SitusAMC will report loan as not having met VSH).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o AUS
 adherence will not be used to evaluate the VSH indicator.

· <u>Option 2: VSH via reference to subsequent versions of GSE Guides affirmed to be "substantially similar" to guides explicitly enumerated in the regulation</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Lender
 identifies (source and publication date) and provides a set of GSE guides (other than one
 of the June 2020 guidelines specified in the regulation) utilized to meet VSH

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Lender
 provides affirmation that guides used meet VSH requirements as revised version complies with
 verification standards or is substantially similar to the guides enumerated in the regulation
 commentary under 1026.43(e)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The
 determination and affirmation that the guides used are substantially similar would be the
 responsibility of the lender and/or aggregator. **SitusAMC will not evaluate or make a determination as to whether the guidelines used by the lender are "substantially similar"** to
 the explicitly enumerated underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o For
 loans identified by lender to have VSH status, SitusAMC will determine documentation variances
 that would cause one to question the VSH attestation from the lender. If variances are identified,
 loan would not be identified by SitusAMC to meet the VSH documentation requirements (i.e.,
 SitusAMC will report loan as not having met VSH).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o AUS
 adherence will not be used to evaluate the VSH indicator

· <u>Option 3: VSH via proprietary guides</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Lender
 identifies and provides a set of proprietary (non-GSE guides) underwriting guides utilized
 to meet VSH

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Lender
 provides worksheet/AUS connecting the loan level review components to enumerated guides

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Lender
 provides affirmation that guides used meet VSH requirements as guides comply with verification
 standards in the guides enumerated in the regulation commentary under 1026.43(e)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The
 determination and affirmation that the guides used are substantially similar would be the
 responsibility of the lender and/or aggregator. **SitusAMC will not evaluate or make a determination as to whether the guidelines used by the lender are in line with the standards in the enumerated underwriting guidelines.** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o For
 loans identified by lender to have VSH status, SitusAMC will determine documentation variances
 that would cause one to question the VSH attestation from the lender. If variances are identified,
 loan would not be identified by SitusAMC to meet the VSH documentation requirements (i.e.,
 SitusAMC will report loan as not having met VSH).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o AUS
 adherence will not be used to evaluate the VSH indicator

The lender must also maintain policies and procedures to meet the requirement under the new General QM (APOR) rule. Review of policies and procedures and comparison of guides utilized to explicitly enumerated guides are outside of SitusAMC's review scope.

**VSH Reporting** – SitusAMC will include the following in securitization reports:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The
 lender/seller's VSH Indicator;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether
 SitusAMC evaluated the VSH indicator provided by the lender/seller;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Which
 of the above 3 options was employed to evaluate the VSH indicator;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether
 SitusAMC identified a variance to indicator based on due diligence review; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether
 loan met VSH based on option selected

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 (effective January 10, 2014), SitusAMC 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) and (vi)-1 as outlined above. In addition, SitusAMC reviews the Automated Underwriting System output within the mortgage loan file to confirm agency eligibility.

For each conventional QM designated mortgage loan that satisfied the applicable requirements enumerated above, SitusAMC 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.), the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.) and the U.S. Department of Agriculture (7 CFR Part 3555).

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For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, SitusAMC then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM (for loans that comply with general (ATR) or ATR Fail (for loans that do not meet general ATR requirements). See below for more details on general ability to repay testing.

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

For non-QM loans (loans that do not meet QM criteria or submitted by loan originator with a loan designation of non-QM), SitusAMC reviews the mortgage loan to the creditor's guidelines to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and will verify such information using reasonably reliable third-party records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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. SitusAMC makes no representation or warranty surrounding the sufficiency of the client or creditor's guidelines as it relates to ATR requirements.

SitusAMC reviews mortgage loans to determine their conformity with the ATR/QM factors as outlined above, but does not render 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"). SitusAMC does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all the factors and/or criteria that Authorities may consider in determining whether the creditor adequately demonstrated compliance with the ATR requirements under the rule. SitusAMC's review is based on information contained in the mortgage loan file at the time it is provided to SitusAMC for review, and only reflects information as of that point in time.

**(III) The disclosure requirements and prohibitions of Section 50(a)(6), 50(f)(2), and limited provisions under Section 50(t) Article XVI of the Texas Constitution and associated regulations.**

**(IV) 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. State usury limitations and state-specific prohibited fees testing are outside of scope.**

**(V) Federal and state specific prepayment penalty provisions.** **(VI) Federal and state specific late charges in states with assignee liability.**

The state level late charge testing will be applicable to loans with the subject property in New Jersey, Georgia, New Mexico, and West Virginia.

**(VII) Homeowners Flood Insurance Affordability Act of 2014 (HFIAA)**

Confirm properties within a flood zone have adequate insurance coverage in accordance with HFIAA. (Including considerations of the total outstanding lien balances and any separate escrow impound requirements if the second lien is covered by a separate policy from the primary lien.)

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**(VIII) FIRREA Review**

SitusAMC will confirm to the extent possible, that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, SitusAMC 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.

In addition, SitusAMC will access 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.

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

**(IX) Document Review.**

SitusAMC will review each mortgage loan file and verify whether the following documents, if applicable, were included in the file and that the data on applicable documents was consistent:

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ HUD/Closing
Disclosure from sale of previous residence;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
TIL;

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

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

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

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

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

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**(9)** **Disclaimer.**

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed on the Form ABS Due Diligence-15E.

**OVERALL REVIEW RESULTS SUMMARY**

There were one hundred fifty-two (152) loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable S&P NRSRO grading criteria fifty-six (56) loans (36.84%) had an Overall grade of "A", sixteen (16) loans (10.53%) had an Overall grade of "B", one loan (0.66%) had an Overall grade of "C", and seventy-nine (79) loans (51.97%) had an Overall grade of "D".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P Overall Loan Grades** | &nbsp;&nbsp;**S&P Overall Loan Grades** | &nbsp;&nbsp;**S&P Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;56 | &nbsp;&nbsp;36.84% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;16 | &nbsp;&nbsp;10.53% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.66% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;79 | &nbsp;&nbsp;51.97% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**152** | &nbsp;&nbsp;**100.00%** |

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**CREDIT RESULTS SUMMARY**

One hundred thirty-four (134) loans (88.16%) reviewed received an "A" Credit grade and eighteen (18) loans (11.84%) received a "B" Credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P Credit Loan Grades** | &nbsp;&nbsp;**S&P Credit Loan Grades** | &nbsp;&nbsp;**S&P Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;134 | &nbsp;&nbsp;88.16% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;18 | &nbsp;&nbsp;11.84% |
| &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;**152** | &nbsp;&nbsp;**100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

All one hundred fifty-two (152) loans reviewed received an "A" or "B" Compliance grade. After all documents were presented, under the applicable S&P NRSRO grading criteria one hundred thirty-three (133) loans (87.50%) had a Compliance grade of "A", and nineteen (19) loans (12.50%) had a Compliance grade of "B.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P Compliance Loan Grades** | &nbsp;&nbsp;**S&P Compliance Loan Grades** | &nbsp;&nbsp;**S&P Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;133 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;19 | &nbsp;&nbsp;12.50% |
| &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;**152** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

There were one hundred fifty-two (152) loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable S&P NRSRO grading criteria, seventy-two (72) loans (47.37%) had a Property grade of "A", one (1) loan (0.66%) had a Property grade of "C", and seventy-nine (79) loans (51.97%) had a Property grade of "D".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P Property Loan Grades** | &nbsp;&nbsp;**S&P Property Loan Grades** | &nbsp;&nbsp;**S&P Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;72 | &nbsp;&nbsp;47.37% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.66% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;79 | &nbsp;&nbsp;51.97% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**152** | &nbsp;&nbsp;**100.00%** |

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the one hundred fifty-two (152)) loans reviewed, one (1) unique Loan had one (1) different tape discrepancy across one (1) data field. The only variance was found on Investor: Qualifying Total Debt Ratio.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**% <br> Variance** | &nbsp;&nbsp;**# Of <br> Loans** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;152 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;152 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;152 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;152 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;152 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;152 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;45 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;152 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;152 | &nbsp;&nbsp;0.66% | &nbsp;&nbsp;152 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;152 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;152 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;152 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;152 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;152 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;152 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;152 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;152 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;152 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;152 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;152 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;152 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;152 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;152 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**1717** | &nbsp;&nbsp;**0.06%** | &nbsp;&nbsp;**152** |

---

**ADDITIONAL LOAN POPULATION SUMMARY (some totals may not add due to rounding)**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;152 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$13663787.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**152** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$13663787.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;152 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$13663787.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**152** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$13663787.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;152 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$13663787.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**152** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$13663787.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;0-120 Months | &nbsp;&nbsp;8 | &nbsp;&nbsp;5.26% | &nbsp;&nbsp;$697400.00 | &nbsp;&nbsp;5.10% |
| &nbsp;&nbsp;181-240 Months | &nbsp;&nbsp;144 | &nbsp;&nbsp;94.74% | &nbsp;&nbsp;$12966387.00 | &nbsp;&nbsp;94.90% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**152** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$13663787.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;95 | &nbsp;&nbsp;62.50% | &nbsp;&nbsp;$8424362.00 | &nbsp;&nbsp;61.65% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;6 | &nbsp;&nbsp;3.95% | &nbsp;&nbsp;$483500.00 | &nbsp;&nbsp;3.54% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;51 | &nbsp;&nbsp;33.55% | &nbsp;&nbsp;$4755925.00 | &nbsp;&nbsp;34.81% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**152** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$13663787.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;151 | &nbsp;&nbsp;99.34% | &nbsp;&nbsp;$13603787.00 | &nbsp;&nbsp;99.56% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.66% | &nbsp;&nbsp;$60000.00 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**152** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$13663787.00** | &nbsp;&nbsp;**100.00%** |

---

Restricted - External 12\| P a g e

## Exhibit 99.1

**Exhibit 99.1 Schedule 1**

**Data Compare (Non-Ignored)**

**Run Date - 11/26/2025 12:21:50 PM** 

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| (redacted) | 35 (redacted) |  |  | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 2**

---

| |
|:---|
| ![](ex99-1sch2_001.jpg) |
| **Exception Grades** |
| **Run Date - 11/26/2025 12:19:54 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Investor Loan Number** | **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** | **Kroll Initial Exception Rating** | **Kroll Final Exception Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| (redacted) | 1 (redacted) |  | 32618791 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted] provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/20/2024 | 3 D A | N/A | N/A D |  | OR | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 1 (redacted) |  | 32618792 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 A | A | A |  | OR | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 2 (redacted) |  | 32618803 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 A | A | A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 2 (redacted) |  | 32618804 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/20/2024 | 2 A | N/A | N/A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 2 (redacted) |  | 32618807 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The [redacted]-[redacted]<br> form was used, the [redacted]-[redacted]<br> form should have been used. |  |  |  |  | Reviewer Comment (2024-12-02): [redacted]-[redacted] RTC, proof of delivery[redacted], and LOE to the borrower provided. New rescission period has passed, exception cured.<br>Buyer Comment (2024-11-29): Please see attached, re-opened [redacted] with LOE and tracking information |  | 12/02/2024 |  | 2 C B | C | B C |  | PA | 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 |
| (redacted) | 3 (redacted) |  | 32618830 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 A | A | A |  | ID | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 3 (redacted) |  | 32618831 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted] provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/22/2024 | 3 D A | N/A | N/A D |  | ID | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 4 (redacted) |  | 32618834 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 A | A | A |  | VA | Primary | Refinance - Cash-out - Other | D A | Non QM | Non QM | No |
| (redacted) | 4 (redacted) |  | 32618835 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. [redacted] valuation from subject transaction is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/20/2024 | 3 D A | N/A | N/A D |  | VA | Primary | Refinance - Cash-out - Other | D A | Non QM | Non QM | No |
| (redacted) | 5 (redacted) |  | 32618856 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 A | A | A |  | NJ | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 5 (redacted) |  | 32618857 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/20/2024 | 2 A | N/A | N/A |  | NJ | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 6 (redacted) |  | 32618930 |  | Compliance | Compliance | State Compliance | Compliance | [redacted]Day [redacted]has been discontinued effective [redacted]. Average Prime Offer Rate ([redacted]) used in lieu of [redacted] effective [redacted], pursuant to [redacted] [redacted] guidance. |  |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, no change to grading. |  |  | 11/20/2024 | 1 A | A | A |  | NC | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 6 (redacted) |  | 32618932 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a [redacted] 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: [redacted]. | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-11-20): Inspection completed after the incident start date reflects no damages. [redacted] meets client guidelines. Client elects to waive with compensating factors. |  |  | 11/20/2024 | 2 B | B | B |  | NC | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 6 (redacted) |  | 32618933 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 A | A | A |  | NC | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 7 (redacted) |  | 32618939 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 A | A | A |  | MD | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 7 (redacted) |  | 32618940 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/20/2024 | 2 A | N/A | N/A |  | MD | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 7 (redacted) |  | 32618943 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted]Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  | Buyer Comment (2024-11-21): Seller accepts with no change in grading |  |  | 11/21/2024 | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 7 (redacted) |  | 32618944 |  | Compliance | Compliance | State Compliance | State HPML | [redacted]HPML Threshold Test Non-Compliant | [redacted]Higher-Priced Mortgage Loan: [redacted] on subject loan of [redacted]% or Final Disclosure [redacted] of [redacted]% is equal to or greater than the threshold of [redacted] [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Loan. |  |  |  |  | Buyer Comment (2024-11-21): Seller accepts with no change in grading |  |  | 11/21/2024 | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 7 (redacted) |  | 32618945 |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided Timely) | [redacted]Mortgage Lending Regulations: Disclosure on responsibility for payment of taxes and insurance not provided to borrower within [redacted]) business days of application or[redacted]business days prior to closing. | [redacted]Escrow Responsibility Disclosure in the file was provided to the borrower on [redacted] which is not within [redacted]business days of the application dated [redacted], or [redacted]business days prior to closing on[redacted] |  |  |  | Buyer Comment (2024-11-21): Seller accepts with no change in grading |  |  | 11/21/2024 | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 8 (redacted) |  | 32618947 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 A | A | A |  | NJ | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 8 (redacted) |  | 32618948 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/20/2024 | 2 A | N/A | N/A |  | NJ | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 9 (redacted) |  | 32618957 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 A | A | A |  | NV | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 9 (redacted) |  | 32618958 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing [redacted] valuation. [redacted] and [redacted] results are contradictory. Appraisal was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/20/2024 | 2 A | N/A | N/A |  | NV | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 9 (redacted) |  | 32618961 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]business days of the Note. |  | VVOE within [redacted]business days of the note date missing in the file. Please provide the [redacted] Report dated [redacted]per the lender's VVOE document. |  |  |  | Reviewer Comment (2024-11-25): Third Party Employment verification was provided to confirm borrower was employed at time of transaction.<br>Buyer Comment (2024-11-22): Per QM requirements for general-QM loans and [redacted] guidelines, post-close verbal verification of employment is allowed for loans with general-QM status, based on the guidance in Section [redacted]-[redacted] of the [redacted] Selling Guide. This section of the Selling Guide states that a lender must obtain verbal verification of employment within [redacted] business days prior to the note date for employed borrowers, or within [redacted] days of the note date for self-employed borrowers, and the verification can also be obtained post-close. Please see attached VVOE confirming active employment status. For reference, [redacted][redacted] / [redacted[redacted] were reviewed and cleared by [redacted]. | 11/25/2024 |  |  | 1 C A | C | A C |  | NV | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 10 (redacted) |  | 32619013 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 A | A | A |  | MD | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 10 (redacted) |  | 32619014 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted] provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/20/2024 | 3 D A | N/A | N/A D |  | MD | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 11 (redacted) |  | 32619038 |  | Compliance | Compliance | State Compliance | Compliance | [redacted]Day [redacted]has been discontinued effective [redacted]. Average Prime Offer Rate ([redacted]) used in lieu of RNY effective[redacted], pursuant to [redacted] [redacted] guidance. |  |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, no change to grading. |  |  | 11/20/2024 | 1 A | A | A |  | NC | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 11 (redacted) |  | 32619040 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 A | A | A |  | NC | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 11 (redacted) |  | 32619041 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/20/2024 | 2 A | N/A | N/A |  | NC | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 12 (redacted) |  | 32619110 |  | Compliance | Compliance | State Compliance | State HPML | [redacted]HPML Threshold Test Compliant | [redacted]Higher-Priced Mortgage Loan: [redacted] on subject loan of [redacted]% or Final Disclosure [redacted] of [redacted]% is equal to or greater than the threshold of [redacted] [redacted]% + [redacted]%, or [redacted]% Compliant Higher Priced Loan. |  |  |  |  | Buyer Comment (2024-11-22): Seller accepts with no change in grading |  |  | 11/22/2024 | 2 B | B | B |  | MA | Primary | Refinance - Cash-out - Other | No obvious cure B A | Non QM | Non QM | No |
| (redacted) | 12 (redacted) |  | 32619111 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 A | A | A |  | MA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 13 (redacted) |  | 32619116 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 A | A | A |  | HI | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 13 (redacted) |  | 32619117 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided [redacted] and/or [redacted]provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/20/2024 | 2 A | N/A | N/A |  | HI | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 13 (redacted) |  | 32619118 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2024-11-22): Final Title Policy provided. Exception cleared | 11/22/2024 |  |  | 1 A | A | A |  | HI | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 13 (redacted) |  | 32619120 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2024-11-22): Final Title Policy provided reflecting sufficient coverage. Exception cleared.<br>Buyer Comment (2024-11-22): Please see the final title policy, attached. | 11/22/2024 |  |  | 1 B A | B | A B |  | HI | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 14 (redacted) |  | 32619136 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 A | A | A |  | PA | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 15 (redacted) |  | 32619149 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted] provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/21/2024 | 3 D A | N/A | N/A D |  | AL | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 15 (redacted) |  | 32619150 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 A | A | A |  | AL | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 16 (redacted) |  | 32619171 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 A | A | A |  | PA | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 16 (redacted) |  | 32619172 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/20/2024 | 2 A | N/A | N/A |  | PA | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 17 (redacted) |  | 32619212 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/20/2024 | 3 D A | N/A | N/A D |  | CA | Primary | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 17 (redacted) |  | 32619213 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 A | A | A |  | CA | Primary | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 17 (redacted) |  | 32619215 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject loan closed as a [redacted]. Please provide evidence of the current HOA dues or provide documentation to support there are no mandatory dues. |  |  |  | Reviewer Comment (2024-11-21): Received evidence subject does not have any HOA Dues. Exception cleared.<br>Buyer Comment (2024-11-21): Please see [redacted] and [redacted] screen shots and links attached. Both website confirm there is no HOA dues for [redacted][redacted] | 11/21/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 18 (redacted) |  | 32619232 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 A | A | A |  | PA | Primary | Refinance - Cash-out - Other | D A | Non QM | Non QM | No |
| (redacted) | 18 (redacted) |  | 32619233 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. [redacted] valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/22/2024 | 3 D A | N/A | N/A D |  | PA | Primary | Refinance - Cash-out - Other | D A | Non QM | Non QM | No |
| (redacted) | 19 (redacted) |  | 32619248 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 A | A | A |  | CA | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 19 (redacted) |  | 32619249 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/21/2024 | 2 A | N/A | N/A |  | CA | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 20 (redacted) |  | 32619259 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 A | A | A |  | KY | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 20 (redacted) |  | 32619260 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/22/2024 | 2 A | N/A | N/A |  | KY | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 21 (redacted) |  | 32619264 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 A | A | A |  | FL | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 22 (redacted) |  | 32619288 |  | 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: ___&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <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: [redacted] | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-11-20): Inspection completed after the incident start date reflects no damages. [redacted] meets client guidelines. Client elects to waive with compensating factors. |  |  | 11/20/2024 | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 22 (redacted) |  | 32619289 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 A | A | A |  | FL | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 22 (redacted) |  | 32619290 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/20/2024 | 3 D A | N/A | N/A D |  | FL | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 23 (redacted) |  | 32619293 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 A | A | A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 23 (redacted) |  | 32619298 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The subject is located in a [redacted] project. The file is missing the [redacted] master insurance policy. |  |  |  | Reviewer Comment (2024-11-27): Available hazard insurance policy is [redacted] ,which support the loan amount, Exception cleared.<br>Buyer Comment (2024-11-27): Please be advised that the [redacted] project insurance is not required, the borrower has a full [redacted] policy not [redacted] only coverage ([redacted]). | 11/27/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 24 (redacted) |  | 32619317 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 A | A | A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 24 (redacted) |  | 32619319 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Completed Loan Application Not Provided At Least 1 Business Day Prior to Closing) | [redacted] Constitution Section [redacted]): [redacted] Cash-out Loan. Borrower was not provided copy of Application [redacted] day prior to closing. | Documentation was not found to verify the borrower was provided with the most [redacted] at least [redacted] day prior to closing. |  |  |  | Reviewer Comment (2024-12-09): Received screenshot from Lender's [redacted] system. This evidences the borrower viewed the initial loan application on [redacted]. Exception cleared.<br>Reviewer Comment (2024-12-09): Received screenshot from Lender's [redacted] system. This evidences the borrower viewed the initial loan application on [redacted]. Exception cleared.<br>Buyer Comment (2024-12-04): Please see attached internal screenshot showing that borrower received/viewed the [redacted], which is at least [redacted] business day prior to close.<br>Reviewer Comment (2024-11-29): This was previously reviewed by compliance and new information has not been provided. Response is as follows: A disclosure or attestation signed by the lender is not acceptable unless also signed by the borrower. Acceptable documentation to meet this requirement would include: The most recent/final [redacted] signed by the borrower [redacted] day prior to closing, or the [redacted] evidentiary document verifying the borrower received the loan application [redacted] day prior to closing, or the signed initial loan application - only if it has no changes from the final loan application. Exception remains.<br>Buyer Comment (2024-11-27): Documentation provided is sufficient, as lender is attesting that borrower received the [redacted] at least [redacted] day prior to close. Section [redacted]) of the [redacted] constitution states that the loan cannot close until [redacted] business day after the borrower has received a copy of their [redacted] and [redacted], if not previously provided. It does not prescribe how this must be documented or state that a signature from the borrower is needed. Borrower receives a completed copy of the [redacted] with their initial disclosures, and it is once again provided in the final closing package at least [redacted] business day prior to close. Lender's signed attestation is sufficient to meet this requirement. Please clear exception.<br>Reviewer Comment (2024-11-26): Received document signed by the lender indicating they provided the loan application [redacted] business day prior to closing. Per compliance, the disclosure would have to be signed by the borrower versus the lender in order for this to be acceptable. Exception remains.<br>Reviewer Comment (2024-11-26): Cleared in error.<br>Reviewer Comment (2024-11-26): Certification from lender attesting the borrower received the [redacted] [redacted] day prior to closing has been received. Exception cleared.<br>Buyer Comment (2024-11-22): Please see item #[redacted] on the attached [redacted] Certificate from Originating Lender, confirming the borrower received the [redacted] at least [redacted] day prior to application.<br>Buyer Comment (2024-11-22): Please see the attached internal screenshot confirming borrower was provided the final [redacted], which is more than [redacted] day prior to close. Additionally, the borrower was provided with copies of their closing package for review on [redacted], which also contains a copy of the [redacted]. | 12/09/2024 |  |  | 1 C A | C | A C |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A | Non QM | Non QM | Yes |
| (redacted) | 24 (redacted) |  | 32619320 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (Other Debt) | [redacted] Constitution Section [redacted]) prohibits other debt secured by the homestead unless the purpose of additional debt is one described under [redacted]). Unable to determine purpose of additional debt secured by the homestead. |  |  |  |  | Buyer Comment (2024-11-22): Seller acknowledges exception, no change to grading. |  |  | 11/22/2024 | 2 B | B | B |  | TX | Primary | Refinance - Cash-out - Other | Confirm whether additional debt on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating. Notify consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead B A | Non QM | Non QM | Yes |
| (redacted) | 25 (redacted) |  | 32619341 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 A | A | A |  | SC | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 25 (redacted) |  | 32619342 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/21/2024 | 2 A | N/A | N/A |  | SC | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 26 (redacted) |  | 32619366 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 A | A | A |  | AL | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 27 (redacted) |  | 32619377 |  | Compliance | Compliance | State Compliance | Compliance | [redacted]Day [redacted] has been discontinued effective [redacted]. Most recent available index value used for [redacted] discount point testing. |  |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, no change to grading. |  |  | 11/21/2024 | 2 B | B | B |  | AR | Primary | Refinance - Cash-out - Other | D A B | Non QM | Non QM | No |
| (redacted) | 27 (redacted) |  | 32619379 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 A | A | A |  | AR | Primary | Refinance - Cash-out - Other | D A B | Non QM | Non QM | No |
| (redacted) | 27 (redacted) |  | 32619380 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. [redacted] valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/21/2024 | 3 D A | N/A | N/A D |  | AR | Primary | Refinance - Cash-out - Other | D A B | Non QM | Non QM | No |
| (redacted) | 28 (redacted) |  | 32619446 |  | Compliance | Compliance | State Compliance | Compliance | [redacted] has been discontinued effective [redacted]. Average Prime Offer Rate ([redacted]) used in [redacted] of [redacted] effective [redacted], pursuant to [redacted] guidance. |  |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, no change to grading. |  |  | 11/22/2024 | 1 A | A | A |  | NC | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 28 (redacted) |  | 32619448 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 A | A | A |  | NC | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 28 (redacted) |  | 32619449 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided [redacted] provide relief. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/22/2024 | 2 A | N/A | N/A |  | NC | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 28 (redacted) |  | 32619450 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Disaster Issue: The subject property is located in a [redacted] disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-[redacted] declaration of disaster end date. | Per the [redacted] disaster website, this [redacted] disaster [redacted] -[redacted]<br> -[redacted] began on [redacted] and was declared on[redacted] and is ongoing. Subject property was appraised on [redacted] after the incident start date with no damage reported on the appraisal. [redacted] is not required per client guides. | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-11-22): Per the [redacted] disaster website, this [redacted] disaster [redacted] began on[redacted] and was declared on [redacted] and is ongoing. Subject property was appraised on [redacted]after the incident start date with no damage reported on the appraisal. [redacted] is not required per client guides. |  |  | 11/22/2024 | 2 B | B | B |  | NC | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 29 (redacted) |  | 32619464 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 A | A | A |  | LA | Primary | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 29 (redacted) |  | 32619465 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. [redacted] valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the [redacted] required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-21): [redacted] acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/21/2024 | 3 D A | N/A | N/A D |  | LA | Primary | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 29 (redacted) |  | 32619468 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: [redacted] Policy not provided |  | Please provide documentation to support the additional monthly amount of insurance of $[redacted] as used to qualify. |  |  |  | Reviewer Comment (2024-11-25): The senior lien mortgage statement with [redacted] indicates the monthly insurance is $[redacted] which matches what was used in qualifying. Guidelines only require the amount of the premium to be verified. Exception cleared.<br>Reviewer Comment (2024-11-25): Correction to the above: Please provide documentation to support the additional monthly insurance in the amount of $[redacted] as used in qualifying.<br>Buyer Comment (2024-11-22): The amount used to qualify was based off the primary mortgage statement. Please see page [redacted] [redacted]. No additional documentation is required. Please cancel this exception. | 11/25/2024 |  |  | 1 C A | C | A C |  | LA | Primary | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 30 (redacted) |  | 32619489 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 A | A | A |  | NJ | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 31 (redacted) |  | 32619544 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 A | A | A |  | IL | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 31 (redacted) |  | 32619545 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/21/2024 | 3 D A | N/A | N/A D |  | IL | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 32 (redacted) |  | 32619560 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 A | A | A |  | OR | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 32 (redacted) |  | 32619561 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/21/2024 | 2 A | N/A | N/A |  | OR | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 33 (redacted) |  | 32619565 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 A | A | A |  | TX | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 33 (redacted) |  | 32619570 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) | [redacted] Constitution [redacted]): Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least [redacted] ([redacted]) business day prior to closing. |  |  |  |  | Reviewer Comment (2024-11-25): Preliminary CD was provided on [redacted]. Exception cleared.<br>Buyer Comment (2024-11-25): Please see page [redacted]. The borrower signed the closing disclosure on [redacted] which meets the requirements of an itemized list of fees, points, etc. Please clear the exception. | 11/25/2024 |  |  | 1 C A | C | A C |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| (redacted) | 34 (redacted) |  | 32619624 |  | Compliance | Compliance | State Compliance | Compliance | [redacted] has been discontinued effective [redacted]. Most recent available index value used for [redacted] discount point testing. |  |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, no change to grading. |  |  | 11/20/2024 | 2 B | B | B |  | AR | Primary | Refinance - Cash-out - Other | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 34 (redacted) |  | 32619626 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 A | A | A |  | AR | Primary | Refinance - Cash-out - Other | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 34 (redacted) |  | 32619627 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/20/2024 | 3 D A | N/A | N/A D |  | AR | Primary | Refinance - Cash-out - Other | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 35 (redacted) |  | 32619636 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 A | A | A |  | NJ | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 36 (redacted) |  | 32619659 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 A | A | A |  | OR | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 36 (redacted) |  | 32619660 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/21/2024 | 2 A | N/A | N/A |  | OR | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 36 (redacted) |  | 32619665 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  |  |  |  |  | Reviewer Comment (2024-12-05): Received Most recent paystub dated [redacted] meets [redacted] requirement in lieu of [redacted] dated within [redacted] days of the [redacted], Exception cleared.<br>Buyer Comment (2024-12-05): Please see attached paystub from prior to close. Paystub as [redacted] guidelines are met. Please review to clear this condition.<br>Reviewer Comment (2024-11-29): The information good through date is not in question, it's when the verification was performed. The date the [redacted] was verified with the third party was [redacted]. On the Work # we have the "current as of" date, and the, "verified on" date. We are using the "verified on" date for this testing. In order to clear this exception, we would need a [redacted] verification dated within [redacted] business days of closing, or a post-close VVOE/Work # would also be sufficient. Alternately, this exception can be requested to be downgraded and waived with compensating factors.<br>Buyer Comment (2024-11-27): Please see the attached internal screenshot confirming [redacted] obtained the [redacted] report on [redacted], when an employer solely uses the [redacted] to complete the verification of employment we cannot control when the information is current as of. The process was followed according to guidelines.<br>Reviewer Comment (2024-11-25): The Work # that diligence has is dated [redacted]. [redacted] (excluding weekends and holidays) from this employment verification is [redacted]. Note date of [redacted] not within [redacted] business days. The VVOE in the file states a Work # verification was completed on [redacted]. Please provide the later verification completed [redacted] in order to clear this exception.<br>Buyer Comment (2024-11-25): Pg [redacted] is the work number verificatin within [redacted] days.[redacted] and [redacted] do not count in the business days. Please review to clear this condition.<br>Reviewer Comment (2024-11-22): On the Page # [redacted] Contact person is Work number, <br> please provide the third party verification of employment obtained by the Work number within [redacted] of closing, Exception remains.<br>Buyer Comment (2024-11-22): See Pg [redacted] | 12/05/2024 |  |  | 1 C A | C | A C |  | OR | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 37 (redacted) |  | 32619707 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 A | A | A |  | ME | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 37 (redacted) |  | 32619708 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/21/2024 | 2 A | N/A | N/A |  | ME | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 38 (redacted) |  | 32619712 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/21/2024 | 2 A | N/A | N/A |  | WY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 38 (redacted) |  | 32619713 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 A | A | A |  | WY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 38 (redacted) |  | 32619717 |  | 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 | [redacted]: Subject loan transaction disbursed on [redacted], prior to [redacted] ([redacted]) business days from transaction date of [redacted]. | Borrower signed and dated the [redacted] on [redacted], which is the new transaction date. Right to Cancel expiration date of [redacted] is prior to the expected right to cancel expiration date of [redacted] and the eligible disbursement date of [redacted]. Lender to reopen rescission, provide the new right to cancel form, a copy of letter of explanation sent to borrower, and proof of delivery. Note: This exception cannot be cured until the new rescission period ends. |  |  |  | Reviewer Comment (2024-12-03): LOE, proof of delivery, and [redacted] RTC provided. New rescission period has passed, exception cured.<br>Buyer Comment (2024-12-02): Please see attached and note we baked in an extra day for [redacted] |  | 12/03/2024 |  | 2 C B | C | B C |  | WY | 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 |
| (redacted) | 38 (redacted) |  | 32619718 |  | 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 | [redacted]: Actual Date(s) on [redacted] occurs prior to expected date(s). | Borrower signed and dated the [redacted] on [redacted], which is the new transaction date. [redacted] expiration date of [redacted] is prior to the expected right to cancel expiration date of [redacted] and the eligible disbursement date of [redacted]. Lender to reopen rescission, provide the new right to cancel form, a copy of letter of explanation sent to borrower, and proof of delivery. Note: This exception cannot be cured until the new [redacted] period ends. |  |  |  | Reviewer Comment (2024-12-03): LOE, proof of delivery, and [redacted] RTC provided. New rescission period has passed, exception cured.<br>Buyer Comment (2024-12-03): please see attached |  | 12/03/2024 |  | 2 C B | C | B C |  | WY | 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 |
| (redacted) | 39 (redacted) |  | 32619742 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/21/2024 | 2 A | N/A | N/A |  | CO | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 39 (redacted) |  | 32619743 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 A | A | A |  | CO | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 40 (redacted) |  | 32619753 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 A | A | A |  | CA | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 41 (redacted) |  | 32619782 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/20/2024 | 2 A | N/A | N/A |  | NH | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 41 (redacted) |  | 32619783 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 A | A | A |  | NH | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 42 (redacted) |  | 32619882 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 A | A | A |  | FL | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 42 (redacted) |  | 32619883 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. [redacted] provided. The supporting [redacted] valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/22/2024 | 3 D A | N/A | N/A D |  | FL | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 42 (redacted) |  | 32619885 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Issue: The most recent valuation inspection is dated prior to the most recent [redacted]. | Most Recent Valuation Inspection Date: ___&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but [redacted] declaration of disaster end date. | Property inspected post disaster but [redacted] declaration of disaster end date. Date of disaster: [redacted] | SitusAMC,Originator | Reviewer Comment (2024-11-22): [redacted] supplied on [redacted]. No Damage. |  |  | 11/22/2024 | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 43 (redacted) |  | 32619930 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 A | A | A |  | WA | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 43 (redacted) |  | 32619931 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted] Missing [redacted] valuation. The provided [redacted] and/or [redacted] provide relief. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/21/2024 | 2 A | N/A | N/A |  | WA | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 44 (redacted) |  | 32619944 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted] provided. The supporting [redacted] valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/25/2024 | 3 D A | N/A | N/A D |  | AZ | Primary | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 44 (redacted) |  | 32619945 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 A | A | A |  | AZ | Primary | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 44 (redacted) |  | 32619947 |  | Credit | Income / Employment | Income Documentation | Missing Document | [redacted] Documents are missing. |  | The file is missing evidence of [redacted], if applicable, on this property. Please provide for review. |  |  |  | Reviewer Comment (2024-11-27): Provided property history document for taxes , however this is land only property, Exception cleared.<br>Buyer Comment (2024-11-26): See the attached property tax document. The property taxes are [redacted] per year. Also this property is vacant land, therefore there is no home to insure. | 11/27/2024 |  |  | 1 C A | C | A C |  | AZ | Primary | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 44 (redacted) |  | 32619948 |  | Credit | Income / Employment | Income Documentation | Missing Document | [redacted] Documents are missing. |  | The file is missing evidence of [redacted], if applicable, on this property. Please provide for review. |  |  |  | Reviewer Comment (2024-11-27): Provided property history document for taxes , however this is land only property, Exception cleared.<br>Buyer Comment (2024-11-26): See the property tax document. Property is land with a [redacted], nothing affixed to insure and home owned [redacted]. | 11/27/2024 |  |  | 1 C A | C | A C |  | AZ | Primary | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 45 (redacted) |  | 32619960 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. Missing [redacted] valuation. The provided [redacted] and/or [redacted] provide relief. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/21/2024 | 2 A | N/A | N/A |  | MI | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 45 (redacted) |  | 32619961 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 A | A | A |  | MI | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 46 (redacted) |  | 32619981 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 A | A | A |  | AZ | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 46 (redacted) |  | 32619982 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. [redacted] provided. The supporting [redacted] valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/22/2024 | 3 D A | N/A | N/A D |  | AZ | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 47 (redacted) |  | 32620014 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 A | A | A |  | CA | Primary | Refinance - Cash-out - Other | D C A | Non QM | Non QM | No |
| (redacted) | 47 (redacted) |  | 32620015 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be [redacted]. Appraisal was provided. [redacted] valuation from subject transaction is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/22/2024 | 3 D A | N/A | N/A D |  | CA | Primary | Refinance - Cash-out - Other | D C A | Non QM | Non QM | No |
| (redacted) | 47 (redacted) |  | 32620016 |  | Credit | Income / Employment | Income Documentation | Missing Document | [redacted] Documents are missing. |  | The file was missing the Insurance verification documentation for property located on [redacted]. Please provide for review. |  |  |  | Reviewer Comment (2024-11-26): As per mortgage statement property belongs to [redacted] however only considered tax and insurance form the mortgage statement, Exception Cleared .<br>Buyer Comment (2024-11-25): The monthly insurance payment is [redacted]for this property as listed on the mortgage statement in your loan file on page [redacted]. Additional documentation is not required. | 11/26/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Refinance - Cash-out - Other | D C A | Non QM | Non QM | No |
| (redacted) | 48 (redacted) |  | 32620096 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 A | A | A |  | NJ | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 48 (redacted) |  | 32620097 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. Missing [redacted] valuation. The provided [redacted] and/or [redacted] provide relief. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/22/2024 | 2 A | N/A | N/A |  | NJ | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 49 (redacted) |  | 32620123 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 A | A | A |  | AL | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 49 (redacted) |  | 32620124 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. Missing [redacted] valuation. The provided [redacted] and/or [redacted] provide relief. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/20/2024 | 2 A | N/A | N/A |  | AL | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 50 (redacted) |  | 32620129 |  | Compliance | Compliance | State Compliance | Compliance | [redacted] has been discontinued effective [redacted]. Most recent available [redacted] used for bona fide [redacted] testing. |  |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, no change to grading. |  |  | 11/21/2024 | 2 B | B | B |  | AR | Primary | Refinance - Cash-out - Other | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 50 (redacted) |  | 32620131 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 A | A | A |  | AR | Primary | Refinance - Cash-out - Other | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 50 (redacted) |  | 32620132 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted] . [redacted] provided. The supporting [redacted] valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/21/2024 | 3 D A | N/A | N/A D |  | AR | Primary | Refinance - Cash-out - Other | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 51 (redacted) |  | 32620135 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. Missing [redacted] valuation. The provided [redacted] and/or [redacted] provide relief. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/21/2024 | 2 A | N/A | N/A |  | MO | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 51 (redacted) |  | 32620136 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 A | A | A |  | MO | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 52 (redacted) |  | 32620151 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 A | A | A |  | PA | Primary | Refinance - Cash-out - Other | D A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 52 (redacted) |  | 32620152 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be [redacted]. Appraisal was provided. [redacted] valuation from subject transaction is missing. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/21/2024 | 3 D A | N/A | N/A D |  | PA | Primary | Refinance - Cash-out - Other | D A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 53 (redacted) |  | 32620167 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 A | A | A |  | ME | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 53 (redacted) |  | 32620168 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. Missing [redacted] valuation. The provided [redacted] and/or [redacted] provide relief. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/22/2024 | 2 A | N/A | N/A |  | ME | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 54 (redacted) |  | 32620205 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 A | A | A |  | TX | Primary | Refinance - Cash-out - Other | D A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 54 (redacted) |  | 32620206 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be [redacted]. Appraisal was provided. [redacted] valuation from subject transaction is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/04/2024 | 3 D A | N/A | N/A D |  | TX | Primary | Refinance - Cash-out - Other | D A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 55 (redacted) |  | 32620268 |  | Compliance | Compliance | State Compliance | State HPML | [redacted] Threshold Test Compliant | [redacted] Loan: [redacted] on subject loan of [redacted] or [redacted] is equal to or greater than the threshold of [redacted] + [redacted], or [redacted]. [redacted] Loan. |  |  |  |  | Buyer Comment (2024-11-26): Seller acknowledges exception, no change to grading. |  |  | 11/26/2024 | 2 B | B | B |  | MA | Primary | Refinance - Cash-out - Other | No obvious cure D A B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 55 (redacted) |  | 32620269 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 A | A | A |  | MA | Primary | Refinance - Cash-out - Other | D A B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 55 (redacted) |  | 32620270 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be [redacted]. Appraisal was provided. [redacted] valuation from subject transaction is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/22/2024 | 3 D A | N/A | N/A D |  | MA | Primary | Refinance - Cash-out - Other | D A B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 56 (redacted) |  | 32620278 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 A | A | A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 56 (redacted) |  | 32620279 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. Missing [redacted] valuation. The provided [redacted] and/or [redacted] provide relief. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/22/2024 | 2 A | N/A | N/A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 56 (redacted) |  | 32620283 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | [redacted] Act: [redacted] was not executed on the proper [redacted] Form for a refinancing by the same creditor. The [redacted] was used, the [redacted] should have been used. |  |  |  |  | Buyer Comment (2024-11-25): Seller acknowledges exception, no change to grading. |  |  | 11/25/2024 | 2 B | B | 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 B | Non QM | Non QM | Yes |
| (redacted) | 57 (redacted) |  | 32620310 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 A | A | A |  | CA | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 57 (redacted) |  | 32620311 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. [redacted] provided. The supporting [redacted] valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/22/2024 | 3 D A | N/A | N/A D |  | CA | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 58 (redacted) |  | 32620372 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  | Buyer Comment (2024-12-10): Seller acknowledges exception, no change to grading. |  |  | 12/10/2024 | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 58 (redacted) |  | 32620373 |  | Compliance | Compliance | State Compliance | State HPML | [redacted] [redacted] Threshold Test Non-Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Loan. |  |  |  |  | Buyer Comment (2024-12-10): Seller acknowledges exception, no change to grading. |  |  | 12/10/2024 | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 58 (redacted) |  | 32620374 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/09/2024 | 2 A | A | A |  | MD | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 58 (redacted) |  | 32620375 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/06/2024 | 2 A | N/A | N/A |  | MD | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 59 (redacted) |  | 32620414 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | [redacted] Constitution Section [redacted]: The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  | Buyer Comment (2024-12-16): Seller acknowledges exception, no change to grading. |  |  | 12/16/2024 | 2 B A | B | A B |  | TX | Primary | Refinance - Cash-out - Other | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 59 (redacted) |  | 32620416 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/13/2024 | 2 A | A | A |  | TX | Primary | Refinance - Cash-out - Other | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 59 (redacted) |  | 32620417 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/05/2024 | 3 D A | N/A | N/A D |  | TX | Primary | Refinance - Cash-out - Other | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 60 (redacted) |  | 32620445 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 A | A | A |  | AZ | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 60 (redacted) |  | 32620446 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/22/2024 | 3 D A | N/A | N/A D |  | AZ | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 61 (redacted) |  | 32620450 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 A | A | A |  | NJ | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 61 (redacted) |  | 32620451 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/22/2024 | 2 A | N/A | N/A |  | NJ | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 62 (redacted) |  | 32620495 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 A | A | A |  | OH | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 62 (redacted) |  | 32620496 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/25/2024 | 3 D A | N/A | N/A D |  | OH | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 63 (redacted) |  | 32620538 |  | Compliance | Compliance | State Compliance | Misc. State Level | [redacted] Tangible Net Benefit Disclosure | [redacted] Residential Mortgage Originator and Servicer Licensing Act: Tangible Net Benefit Disclosure not provided to the Borrower. |  |  |  |  | Buyer Comment (2024-11-26): Seller acknowledges the exception, no change to grading. |  |  | 11/26/2024 | 2 B | B | B |  | MN | Primary | Refinance - Cash-out - Other | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 63 (redacted) |  | 32620539 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 A | A | A |  | MN | Primary | Refinance - Cash-out - Other | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 63 (redacted) |  | 32620540 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/25/2024 | 3 D A | N/A | N/A D |  | MN | Primary | Refinance - Cash-out - Other | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 64 (redacted) |  | 32620562 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 A | A | A |  | FL | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 64 (redacted) |  | 32620563 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/25/2024 | 3 D A | N/A | N/A D |  | FL | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 65 (redacted) |  | 32620643 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 A | A | A |  | MA | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 65 (redacted) |  | 32620644 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/04/2024 | 3 D A | N/A | N/A D |  | MA | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 66 (redacted) |  | 32620700 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 A | A | A |  | LA | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 66 (redacted) |  | 32620701 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/21/2024 | 3 D A | N/A | N/A D |  | LA | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 67 (redacted) |  | 32620716 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 A | A | A |  | MD | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 67 (redacted) |  | 32620717 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/25/2024 | 2 A | N/A | N/A |  | MD | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 68 (redacted) |  | 32620760 |  | 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: ___&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but [redacted] of disaster end date. | Per the [redacted], this [redacted] began on [redacted], was declared on [redacted] and ended on [redacted]. [redacted] n is dated [redacted] after the incident start date with no damage reported on the inspection. An additional [redacted] is not required per [redacted] guides. | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-11-25): Per the FEMA disaster website, this [redacted] disaster [redacted] began on [redacted], was declared on[redacted] and ended on [redacted]. Post-disaster inspection is dated [redacted] after the incident start date with no damage reported on the inspection. An additional PDI is not required per client guides. |  |  | 11/25/2024 | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 68 (redacted) |  | 32620761 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 A | A | A |  | FL | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 68 (redacted) |  | 32620762 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/25/2024 | 3 D A | N/A | N/A D |  | FL | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 69 (redacted) |  | 32620813 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 A | A | A |  | PA | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 69 (redacted) |  | 32620814 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/25/2024 | 3 D A | N/A | N/A D |  | PA | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 70 (redacted) |  | 32620834 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 A | A | A |  | OH | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 70 (redacted) |  | 32620835 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, [redacted] valuation not required per product guidelines |  |  | 11/25/2024 | 2 A | N/A | N/A |  | OH | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 71 (redacted) |  | 32620867 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 A | A | A |  | KY | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 71 (redacted) |  | 32620868 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/25/2024 | 2 A | N/A | N/A |  | KY | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 72 (redacted) |  | 32620871 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The [redacted] form was used, the [redacted] form should have been used. |  |  |  |  | Buyer Comment (2024-11-26): Seller acknowledges exception, no change to grading. |  |  | 11/26/2024 | 2 B | B | B |  | CO | 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 B | Non QM | Non QM | Yes |
| (redacted) | 72 (redacted) |  | 32620873 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 A | A | A |  | CO | Primary | Refinance - Cash-out - Other | D A B | Non QM | Non QM | No |
| (redacted) | 72 (redacted) |  | 32620874 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. [redacted] valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/25/2024 | 3 D A | N/A | N/A D |  | CO | Primary | Refinance - Cash-out - Other | D A B | Non QM | Non QM | No |
| (redacted) | 73 (redacted) |  | 32620882 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/25/2024 | 3 D A | N/A | N/A D |  | UT | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 73 (redacted) |  | 32620883 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 A | A | A |  | UT | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 74 (redacted) |  | 32620914 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 A | A | A |  | WA | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 74 (redacted) |  | 32620915 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/25/2024 | 2 A | N/A | N/A |  | WA | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 75 (redacted) |  | 32620992 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 A | A | A |  | KS | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 75 (redacted) |  | 32620993 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/25/2024 | 2 A | N/A | N/A |  | KS | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 76 (redacted) |  | 32621024 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/25/2024 | 3 D A | N/A | N/A D |  | TX | Primary | Refinance - Cash-out - Other | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 76 (redacted) |  | 32621025 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 A | A | A |  | TX | Primary | Refinance - Cash-out - Other | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 76 (redacted) |  | 32621027 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | [redacted] Constitution Section [redacted]: The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  | Buyer Comment (2024-11-26): Seller acknowledges exception, no change to grading. |  |  | 11/26/2024 | 2 B A | B | A B |  | TX | Primary | Refinance - Cash-out - Other | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 76 (redacted) |  | 32621028 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (Other Debt) | [redacted] Constitution Section [redacted]: [redacted] prohibits other debt secured by the homestead unless the purpose of additional debt is one described under[redacted]. Unable to determine purpose of additional debt secured by the homestead. |  |  |  |  | Buyer Comment (2024-11-26): Seller acknowledges exception, no change to grading. |  |  | 11/26/2024 | 2 B | B | B |  | TX | Primary | Refinance - Cash-out - Other | Confirm whether additional debt on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating. Notify consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| (redacted) | 77 (redacted) |  | 32621030 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 A | A | A |  | KY | Primary | Refinance - Cash-out - Other | D A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 77 (redacted) |  | 32621031 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. [redacted] valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/25/2024 | 3 D A | N/A | N/A D |  | KY | Primary | Refinance - Cash-out - Other | D A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 78 (redacted) |  | 32621085 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 A | A | A |  | CA | Primary | Refinance - Cash-out - Other | D A | Non QM | Non QM | No |
| (redacted) | 78 (redacted) |  | 32621086 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. [redacted] valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/25/2024 | 3 D A | N/A | N/A D |  | CA | Primary | Refinance - Cash-out - Other | D A | Non QM | Non QM | No |
| (redacted) | 79 (redacted) |  | 32621092 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 A | A | A |  | WA | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 79 (redacted) |  | 32621093 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/25/2024 | 2 A | N/A | N/A |  | WA | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 80 (redacted) |  | 32621116 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | [redacted] Constitution Section [redacted]: The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  | Buyer Comment (2024-12-10): Seller acknowledges the exception, no change to grading. |  |  | 12/10/2024 | 2 B A | B | A B |  | TX | Primary | Refinance - Cash-out - Other | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 80 (redacted) |  | 32621117 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2024-12-10): Received the E-Sign Consent Agreement, Exception cleared.<br>Buyer Comment (2024-12-10): Please see the attached for our evidentiary document. | 12/10/2024 |  |  | 1 C A | C | A C |  | TX | Primary | Refinance - Cash-out - Other | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 80 (redacted) |  | 32621118 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/06/2024 | 3 D A | N/A | N/A D |  | TX | Primary | Refinance - Cash-out - Other | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 80 (redacted) |  | 32621119 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/09/2024 | 2 A | A | A |  | TX | Primary | Refinance - Cash-out - Other | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 80 (redacted) |  | 32621121 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Borrower's Schedule [redacted] business was verified with a letter from the CPA but there is no date provided on the letter. Please provided dated letter. |  |  |  | Reviewer Comment (2024-12-10): Provided screenshot from [redacted] confirm the document date for CPA letter, Exception cleared.<br>Buyer Comment (2024-12-10): Please see the attached screen shot from our LOS documents portal which confirms we received the CPA letter as of [redacted] which third party verification requirements being within [redacted] days of closing. | 12/10/2024 |  |  | 1 C A | C | A C |  | TX | Primary | Refinance - Cash-out - Other | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 81 (redacted) |  | 32621125 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. [redacted] valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-18): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/18/2024 | 3 D A | N/A | N/A D |  | WI | Primary | Refinance - Cash-out - Other | D A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 81 (redacted) |  | 32621126 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 A | A | A |  | WI | Primary | Refinance - Cash-out - Other | D A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 82 (redacted) |  | 32621142 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/25/2024 | 2 A | N/A | N/A |  | FL | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 82 (redacted) |  | 32621143 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 A | A | A |  | FL | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 82 (redacted) |  | 32621145 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Disaster Issue: The most recent valuation inspection is dated prior to the most recent [redacted] disaster. | Most Recent Valuation Inspection Date: ___&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but [redacted] of disaster end date. | Property inspected post disaster but [redacted] of disaster end date. Date of disaster: [redacted]. | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-11-25): [redacted] completed after the incident start date reflects no damages. Inspection meets client guidelines. |  |  | 11/25/2024 | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 83 (redacted) |  | 32621189 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 A | A | A |  | CA | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 83 (redacted) |  | 32621190 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/25/2024 | 3 D A | N/A | N/A D |  | CA | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 84 (redacted) |  | 32621204 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/09/2024 | 2 A | A | A |  | CA | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 84 (redacted) |  | 32621205 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/06/2024 | 3 D A | N/A | N/A D |  | CA | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 85 (redacted) |  | 32621218 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 A | A | A |  | FL | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 85 (redacted) |  | 32621219 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 2 A | N/A | N/A |  | FL | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 85 (redacted) |  | 32621222 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Disaster Issue: The most recent valuation inspection is dated prior to the most recent [redacted] disaster. | Most Recent Valuation Inspection Date: ___&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but [redacted] of disaster end date. | Property inspected post disaster but [redacted] of disaster end date. Date of disaster: [redacted]. | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-11-26): Inspection completed after the incident start date reflects no damages. PDI meets client guidelines. Client elects to waive with compensating factors. |  |  | 11/26/2024 | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 86 (redacted) |  | 32621236 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 A | A | A |  | NJ | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 86 (redacted) |  | 32621237 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/25/2024 | 2 A | N/A | N/A |  | NJ | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 87 (redacted) |  | 32621249 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 A | A | A |  | MN | Primary | Refinance - Cash-out - Other | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 87 (redacted) |  | 32621251 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/25/2024 | 3 D A | N/A | N/A D |  | MN | Primary | Refinance - Cash-out - Other | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 87 (redacted) |  | 32621253 |  | Compliance | Compliance | State Compliance | Misc. State Level | [redacted] Tangible Net Benefit Disclosure | [redacted] Residential Mortgage Originator and Servicer Licensing Act: Tangible Net Benefit Disclosure not provided to the Borrower. |  |  |  |  | Buyer Comment (2024-11-27): Seller acknowledges exception, no change to grading. |  |  | 11/27/2024 | 2 B | B | B |  | MN | Primary | Refinance - Cash-out - Other | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 88 (redacted) |  | 32621255 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 88 (redacted) |  | 32621256 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 2 A | N/A | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 88 (redacted) |  | 32621257 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | Homeowner's insurance is not escrowed in the senior lien. Please provide evidence of coverage in effect at the time of closing. |  |  |  | Reviewer Comment (2024-11-27): Hazard Insurance Policy Provided prior to the disbursement : Exception Cleared.<br>Buyer Comment (2024-11-27): Please see attached prior insurance policy that was active at the time of closing. | 11/27/2024 |  |  | 1 C A | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 89 (redacted) |  | 32621316 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 A | A | A |  | KS | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 89 (redacted) |  | 32621317 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal from prior transaction was in file. [redacted] valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 3 D A | N/A | N/A D |  | KS | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 90 (redacted) |  | 32621356 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 A | A | A |  | MO | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 90 (redacted) |  | 32621357 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 2 A | N/A | N/A |  | MO | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 91 (redacted) |  | 32621374 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 A | A | A |  | KY | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 91 (redacted) |  | 32621375 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/21/2024 | 3 D A | N/A | N/A D |  | KY | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 92 (redacted) |  | 32621399 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 A | A | A |  | AZ | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 92 (redacted) |  | 32621400 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 3 D A | N/A | N/A D |  | AZ | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 93 (redacted) |  | 32621433 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/02/2024 | 2 A | A | A |  | MI | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 93 (redacted) |  | 32621434 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-02): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/02/2024 | 2 A | N/A | N/A |  | MI | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 94 (redacted) |  | 32621437 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/27/2024 | 2 A | A | A |  | AZ | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 94 (redacted) |  | 32621438 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 2 A | N/A | N/A |  | AZ | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 95 (redacted) |  | 32621447 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 2 A | N/A | N/A |  | SC | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 95 (redacted) |  | 32621448 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/27/2024 | 2 A | A | A |  | SC | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 96 (redacted) |  | 32621456 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 2 A | N/A | N/A |  | NC | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 96 (redacted) |  | 32621457 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/27/2024 | 2 A | A | A |  | NC | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 97 (redacted) |  | 32621458 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/09/2024 | 2 A | A | A |  | CA | Primary | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 97 (redacted) |  | 32621459 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/06/2024 | 3 D A | N/A | N/A D |  | CA | Primary | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 97 (redacted) |  | 32621462 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is missing the Insurance Verification documentation for this property. Please provide for review. |  |  |  | Reviewer Comment (2024-12-12): Client used .[redacted]% of value in lieu of HOI policy to determine expense per clients guides.<br>Buyer Comment (2024-12-11): [redacted] UW used [redacted] [redacted] to qualify for HOI (from [redacted] or [redacted] of the [redacted] loan amount).[redacted] tax = [redacted] total liability. This is a widely accepted industry practice for qualifying HOI. Please escalate for this to be cleared | 12/12/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 98 (redacted) |  | 32621473 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/09/2024 | 2 A | A | A |  | FL | Primary | Refinance - Cash-out - Other | D C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 98 (redacted) |  | 32621474 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/06/2024 | 3 D A | N/A | N/A D |  | FL | Primary | Refinance - Cash-out - Other | D C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 98 (redacted) |  | 32621475 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Disaster Issue: The most recent valuation inspection is dated prior to the most recent [redacted] disaster. | Most Recent Valuation Inspection Date: ___&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Per the [redacted] disaster website, this [redacted]disaster [redacted] began on [redacted], was declared on [redacted] and ended on[redacted]. Post-disaster inspection is dated [redacted] after the incident start date with no damage reported on the inspection. An additional [redacted] is not required per client guides. | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-12-06): Per the FEMA disaster website, this [redacted] disaster[redacted] [redacted] began on [redacted] , was declared on [redacted] and ended on [redacted] . Post-disaster inspection is dated [redacted] after the incident start date with no damage reported on the inspection. An additional PDI is not required per client guides. |  |  | 12/06/2024 | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | D C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 98 (redacted) |  | 32621477 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | File contains a contract letter to verify the borrower's Schedule [redacted] business and a bank statement to verify the deposits from the contract company however, the letter and [redacted] party verification of this company do not have a document date. Please provide evidence of when the lender obtained the contract letter for review. |  |  |  | Reviewer Comment (2024-12-11): Bank statements support the requirement for [redacted] party verification. Exception cleared.<br>Buyer Comment (2024-12-10): Please see attached, self employment verification guideline. The bank statement showing deposits from the business is enough to satisfy the [redacted] party verification requirement. The letter was uploaded to add context to the bank statement, but it is not required to be dated. | 12/11/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Other | D C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 99 (redacted) |  | 32621483 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Disaster Issue: The most recent valuation inspection is dated prior to the most recent [redacted]disaster. | Most Recent Valuation Inspection Date: ___&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Per the FEMA disaster website, this [redacted]disaster [redacted]began on [redacted], was declared on [redacted] and ended on [redacted] Subject property was appraised on [redacted] after the incident start date with no damage reported on the appraisal. PDI is not required per client guides. | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-11-26): Per the FEMA disaster website, this [redacted] disaster [redacted]-[redacted]-[redacted] began on [redacted] , was declared on [redacted] and ended on [redacted] . Subject property was appraised on [redacted] after the incident start date with no damage reported on the appraisal. PDI is not required per client guides. |  |  | 11/26/2024 | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 99 (redacted) |  | 32621484 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/27/2024 | 2 A | A | A |  | FL | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 99 (redacted) |  | 32621485 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 2 A | N/A | N/A |  | FL | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 100 (redacted) |  | 32621497 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/09/2024 | 2 A | A | A |  | CA | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 100 (redacted) |  | 32621498 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/06/2024 | 3 D A | N/A | N/A D |  | CA | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 101 (redacted) |  | 32621596 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/27/2024 | 2 A | A | A |  | OR | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 101 (redacted) |  | 32621597 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-27): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/27/2024 | 2 A | N/A | N/A |  | OR | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 102 (redacted) |  | 32621613 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/27/2024 | 2 A | A | A |  | MD | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 102 (redacted) |  | 32621614 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-27): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/27/2024 | 2 A | N/A | N/A |  | MD | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 102 (redacted) |  | 32621617 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  | Buyer Comment (2024-11-29): Seller accepts with no change in grading |  |  | 11/29/2024 | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 102 (redacted) |  | 32621618 |  | Compliance | Compliance | State Compliance | State HPML | [redacted]HPML Threshold Test Non-Compliant | [redacted]Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted], or[redacted] Non-Compliant Higher Priced Loan. |  |  |  |  | Buyer Comment (2024-11-29): Seller accepts with no change in grading |  |  | 11/29/2024 | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 103 (redacted) |  | 32621625 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/27/2024 | 2 A | A | A |  | CA | Primary | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 103 (redacted) |  | 32621626 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-27): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/27/2024 | 3 D A | N/A | N/A D |  | CA | Primary | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 103 (redacted) |  | 32621628 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide documentation to verify the [redacted] monthly HOA Dues for the subject. |  |  |  | Reviewer Comment (2024-12-02): Received the HOA document with updated [redacted] & Final [redacted] ,Exception cleared.<br>Buyer Comment (2024-12-02): Please see the attached evidence of HOA dues of month as well as an updated [redacted] and [redacted]<br>Buyer Comment (2024-12-02): Please see the attached evidence of HOA dues of [redacted] month as well as an updated [redacted] and [redacted] | 12/02/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 104 (redacted) |  | 32621651 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 A | A | A |  | FL | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 104 (redacted) |  | 32621652 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-27): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/27/2024 | 2 A | N/A | N/A |  | FL | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 105 (redacted) |  | 32621669 |  | 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: ___&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <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: [redacted]. | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-11-27): Appraisal completed after the incident start date reflects no damages. Inspection meets client guidelines. |  |  | 11/27/2024 | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 105 (redacted) |  | 32621670 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 A | A | A |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 105 (redacted) |  | 32621671 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-27): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/27/2024 | 2 A | N/A | N/A |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 106 (redacted) |  | 32621680 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 A | A | A |  | MD | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 106 (redacted) |  | 32621681 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-27): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/27/2024 | 2 A | N/A | N/A |  | MD | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 106 (redacted) |  | 32621684 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted] Higher-Priced Mortgage Loan: Borrower not provided with written [redacted] of non-higher priced loans otherwise qualified for. |  |  |  |  | Buyer Comment (2024-12-02): Seller acknowledges the exception, no change to grading. |  |  | 12/02/2024 | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 106 (redacted) |  | 32621685 |  | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Non-Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted] .[redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] + [redacted], or [redacted]. Non-Compliant Higher Priced Loan. |  |  |  |  | Buyer Comment (2024-12-02): Seller acknowledges the exception, no change to grading. |  |  | 12/02/2024 | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 107 (redacted) |  | 32621715 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 A | A | A |  | FL | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 107 (redacted) |  | 32621716 |  | 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: ___&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Per the FEMA disaster website, this [redacted] disaster [redacted] began on [redacted], was declared on [redacted] and ended on [redacted]. Post-disaster inspection is dated [redacted] after the incident start date with no damage reported on the inspection. An additional PDI is not required per client guides. | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-12-06): Per the FEMA disaster website, this [redacted] disaster [redacted] [redacted] began on [redacted] was declared on [redacted] and ended on [redacted] . Post-disaster inspection is dated[redacted] after the incident start date with no damage reported on the inspection. An additional PDI is not required per client guides. |  |  | 12/06/2024 | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 107 (redacted) |  | 32621717 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/06/2024 | 3 D A | N/A | N/A D |  | FL | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 108 (redacted) |  | 32621736 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 A | A | A |  | FL | Primary | Refinance - Cash-out - Other | D C B A | Non QM | Non QM | No |
| (redacted) | 108 (redacted) |  | 32621737 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. [redacted] valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 3 D A | N/A | N/A D |  | FL | Primary | Refinance - Cash-out - Other | D C B A | Non QM | Non QM | No |
| (redacted) | 108 (redacted) |  | 32621738 |  | 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: ___&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. | 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: [redacted] | SitusAMC,Originator | Reviewer Comment (2024-11-26): Appraisal was performed after disaster on [redacted]. No damage reported. |  |  | 11/26/2024 | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | D C B A | Non QM | Non QM | No |
| (redacted) | 108 (redacted) |  | 32621741 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Proof of HOI coverage at time of transaction was not documented. |  |  |  | Reviewer Comment (2024-12-03): Provided prior HOI policy document. Exception cleared<br>Buyer Comment (2024-12-02): please see attached | 12/03/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Other | D C B A | Non QM | Non QM | No |
| (redacted) | 109 (redacted) |  | 32621748 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 A | A | A |  | KY | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 109 (redacted) |  | 32621749 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 3 D A | N/A | N/A D |  | KY | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 110 (redacted) |  | 32621805 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 A | A | A |  | CO | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 110 (redacted) |  | 32621806 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/21/2024 | 2 A | N/A | N/A |  | CO | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 111 (redacted) |  | 32621835 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 A | A | A |  | NY | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 111 (redacted) |  | 32621836 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/04/2024 | 2 A | N/A | N/A |  | NY | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 112 (redacted) |  | 32621868 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 A | A | A |  | TN | Primary | Refinance - Cash-out - Other | D A | Non QM | Non QM | No |
| (redacted) | 112 (redacted) |  | 32621869 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal from prior transaction was in file. [redacted] valuation from subject transaction is missing. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 3 D A | N/A | N/A D |  | TN | Primary | Refinance - Cash-out - Other | D A | Non QM | Non QM | No |
| (redacted) | 113 (redacted) |  | 32621873 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 A | A | A |  | CO | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 113 (redacted) |  | 32621874 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 2 A | N/A | N/A |  | CO | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 114 (redacted) |  | 32621885 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 A | A | A |  | WI | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 114 (redacted) |  | 32621886 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-27): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/27/2024 | 3 D A | N/A | N/A D |  | WI | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 115 (redacted) |  | 32621942 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 A | A | A |  | KY | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 115 (redacted) |  | 32621946 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided [redacted]and/or [redacted]provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing a copy of the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/04/2024 | 2 A | N/A | N/A |  | KY | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 116 (redacted) |  | 32621961 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted]provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-27): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/27/2024 | 3 D A | N/A | N/A D |  | FL | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 116 (redacted) |  | 32621962 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted]Disaster Issue: The most recent valuation inspection is dated prior to the most recent [redacted]disaster. | Most Recent Valuation Inspection Date: ___&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <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: [redacted]. | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-11-27): Inspection completed after the incident start date reflects no damages. PDI meets client guidelines. |  |  | 11/27/2024 | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 116 (redacted) |  | 32621963 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 A | A | A |  | FL | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 117 (redacted) |  | 32622065 |  | Compliance | Compliance | State Compliance | Compliance | [redacted]Day [redacted]has been discontinued effective [redacted]. Average Prime Offer Rate (APOR) used in lieu of RNY effective [redacted], pursuant to [redacted]FAQ guidance. |  |  |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges the exception. This exception is for informational purposes only and does not impact grading. |  |  | 12/05/2024 | 1 A | A | A |  | NC | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 117 (redacted) |  | 32622067 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted]provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/05/2024 | 3 D A | N/A | N/A D |  | NC | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 117 (redacted) |  | 32622068 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 A | A | A |  | NC | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 117 (redacted) |  | 32622069 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Disaster Issue: The subject property is located in a [redacted]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: [redacted] | SitusAMC,Originator | Reviewer Comment (2024-12-05): PDI inspected on [redacted]. No Damage. |  |  | 12/05/2024 | 2 B | B | B |  | NC | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 118 (redacted) |  | 32622077 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 A | A | A |  | CA | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 118 (redacted) |  | 32622078 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/04/2024 | 3 D A | N/A | N/A D |  | CA | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 119 (redacted) |  | 32622091 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted]provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/05/2024 | 3 D A | N/A | N/A D |  | OK | Primary | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 119 (redacted) |  | 32622092 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 A | A | A |  | OK | Primary | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 119 (redacted) |  | 32622093 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The [redacted]y Effective Date is after closing. |  | Proof of coverage at time of transaction was not documented |  |  |  | Reviewer Comment (2024-12-09): Received Hazard Insurance Policy reflecting Effective Date [redacted] which is prior to Disbursement date. Exception cleared.<br>Buyer Comment (2024-12-09): Please see the attached HOI documentation for the policy effective at close. | 12/09/2024 |  |  | 1 C A | C | A C |  | OK | Primary | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 120 (redacted) |  | 32622151 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted]Disaster Issue: The most recent valuation inspection is dated prior to the most recent [redacted]disaster. | Most Recent Valuation Inspection Date: ___&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Per the FEMA disaster website, this [redacted] disaster [redacted] [redacted] began on [redacted], was declared on [redacted] and ended on [redacted]. Post-disaster inspection is dated [redacted] after the incident start date with no damage reported on the inspection. An additional [redacted] is not required per client guides. | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-12-05): Per the [redacted] disaster website, this [redacted] disaster [redacted]-[redacted] - [redacted] began on [redacted] , was declared on [redacted] and ended on [redacted] . Post-disaster inspection is dated [redacted] after the incident start date with no damage reported on the inspection. An additional PDI is not required per client guides. |  |  | 12/05/2024 | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 120 (redacted) |  | 32622152 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 A | A | A |  | FL | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 120 (redacted) |  | 32622153 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted]provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/05/2024 | 3 D A | N/A | N/A D |  | FL | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 121 (redacted) |  | 32622168 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 A | A | A |  | CA | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 121 (redacted) |  | 32622169 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided [redacted]and/or [redacted]provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/04/2024 | 2 A | N/A | N/A |  | CA | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 122 (redacted) |  | 32622192 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 A | A | A |  | WA | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 122 (redacted) |  | 32622193 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided [redacted]and/or vprovide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/04/2024 | 2 A | N/A | N/A |  | WA | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 123 (redacted) |  | 32622241 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/09/2024 | 2 A | A | A |  | UT | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 123 (redacted) |  | 32622242 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-09): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/09/2024 | 3 D A | N/A | N/A D |  | UT | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 124 (redacted) |  | 32622258 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 A | A | A |  | NC | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 124 (redacted) |  | 32622259 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/04/2024 | 2 A | N/A | N/A |  | NC | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 125 (redacted) |  | 32622271 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 A | A | A |  | AL | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 125 (redacted) |  | 32622272 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/05/2024 | 2 A | N/A | N/A |  | AL | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 126 (redacted) |  | 32622281 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | [redacted] Constitution Section [redacted]: The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  | Buyer Comment (2024-12-10): Seller acknowledges the exception, no change to grading. |  |  | 12/10/2024 | 2 B A | B | A B |  | TX | Primary | Refinance - Cash-out - Other | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 126 (redacted) |  | 32622282 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/09/2024 | 2 A | A | A |  | TX | Primary | Refinance - Cash-out - Other | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 126 (redacted) |  | 32622283 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-09): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/09/2024 | 3 D A | N/A | N/A D |  | TX | Primary | Refinance - Cash-out - Other | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 127 (redacted) |  | 32622290 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/09/2024 | 2 A | A | A |  | NJ | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 127 (redacted) |  | 32622291 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/06/2024 | 3 D A | N/A | N/A D |  | NJ | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 128 (redacted) |  | 32622301 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 A | A | A |  | SC | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 128 (redacted) |  | 32622302 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/05/2024 | 3 D A | N/A | N/A D |  | SC | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 129 (redacted) |  | 32622317 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 A | A | A |  | WA | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 129 (redacted) |  | 32622318 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/05/2024 | 2 A | N/A | N/A |  | WA | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 130 (redacted) |  | 32622338 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 A | A | A |  | CA | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 130 (redacted) |  | 32622339 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/05/2024 | 3 D A | N/A | N/A D |  | CA | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 131 (redacted) |  | 32622383 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 A | A | A |  | IN | Primary | Refinance - Cash-out - Other | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 131 (redacted) |  | 32622384 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/05/2024 | 3 D A | N/A | N/A D |  | IN | Primary | Refinance - Cash-out - Other | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 131 (redacted) |  | 32622386 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: [redacted]was not executed on the proper Model Form for a refinancing by the same creditor. The [redacted] form was used, the [redacted] form should have been used. |  |  |  |  | Buyer Comment (2024-12-09): Seller accepts with no change in grading |  |  | 12/09/2024 | 2 B | B | B |  | IN | 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 B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| (redacted) | 132 (redacted) |  | 32622429 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 A | A | A |  | NY | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 132 (redacted) |  | 32622430 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/05/2024 | 2 A | N/A | N/A |  | NY | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 133 (redacted) |  | 32622432 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/06/2024 | 3 D A | N/A | N/A D |  | AZ | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 133 (redacted) |  | 32622433 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/09/2024 | 2 A | A | A |  | AZ | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 134 (redacted) |  | 32622477 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 A | A | A |  | CO | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 134 (redacted) |  | 32622478 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/06/2024 | 3 D A | N/A | N/A D |  | CO | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 135 (redacted) |  | 32622536 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 A | A | A |  | SC | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 135 (redacted) |  | 32622537 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/05/2024 | 3 D A | N/A | N/A D |  | SC | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 136 (redacted) |  | 32622558 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-02): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/02/2024 | 3 D A | N/A | N/A D |  | OR | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 136 (redacted) |  | 32622559 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/02/2024 | 2 A | A | A |  | OR | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 137 (redacted) |  | 32622601 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/02/2024 | 2 A | A | A |  | PA | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 137 (redacted) |  | 32622602 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-02): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/02/2024 | 3 D A | N/A | N/A D |  | PA | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 138 (redacted) |  | 32622626 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/03/2024 | 2 A | A | A |  | MI | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 138 (redacted) |  | 32622627 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-02): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/02/2024 | 3 D A | N/A | N/A D |  | MI | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 139 (redacted) |  | 32622630 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 A | A | A |  | FL | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 139 (redacted) |  | 32622631 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/06/2024 | 3 D A | N/A | N/A D |  | FL | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 139 (redacted) |  | 32622632 |  | 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: ___&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but [redacted]declaration of disaster end date. | Property inspected post disaster but [redacted]declaration of disaster end date. Date of disaster: [redacted] | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-12-06): Inspection completed after the incident start date reflects [redacted].[redacted] meets client guidelines. Client elects to waive with [redacted] |  |  | 12/06/2024 | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 140 (redacted) |  | 32622640 |  | 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: ___&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but[redacted] declaration of disaster end date. | Property [redacted]post disaster but [redacted] declaration of disaster end date. Date of disaster: [redacted]. | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-12-06): Inspection completed after the incident start date reflects no damages. [redacted] meets client guidelines. Client elects to waive with compensating factors. |  |  | 12/06/2024 | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| (redacted) | 140 (redacted) |  | 32622642 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 A | A | A |  | FL | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| (redacted) | 140 (redacted) |  | 32622643 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. [redacted] valuation from subject transaction is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/06/2024 | 3 D A | N/A | N/A D |  | FL | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| (redacted) | 141 (redacted) |  | 32622662 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 A | A | A |  | MD | Primary | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 141 (redacted) |  | 32622663 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/06/2024 | 3 D A | N/A | N/A D |  | MD | Primary | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 141 (redacted) |  | 32622664 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The [redacted] supporting monthly income of [redacted], was not found in the file. Please provide a copy for review. |  |  |  | Reviewer Comment (2024-12-09): Provided paystub for the [redacted] reflecting earnings, Exception cleared.<br>Buyer Comment (2024-12-09): Please see the[redacted], attached. | 12/09/2024 |  |  | 1 C A | C | A C |  | MD | Primary | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 142 (redacted) |  | 32622690 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/05/2024 | 3 D A | N/A | N/A D |  | AL | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 142 (redacted) |  | 32622691 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 A | A | A |  | AL | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 143 (redacted) |  | 32622698 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 A | A | A |  | FL | Primary | Refinance - Cash-out - Other | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 143 (redacted) |  | 32622700 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | [redacted] Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | The initial Notice of Special Flood Hazards was not provided within a reasonable time prior to closing. |  |  |  | Buyer Comment (2024-12-05): Seller acknowledges the exception, no change to [redacted] |  |  | 12/05/2024 | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 143 (redacted) |  | 32622701 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing.[redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-03): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/03/2024 | 3 D A | N/A | N/A D |  | FL | Primary | Refinance - Cash-out - Other | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 144 (redacted) |  | 32622768 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 A | A | A |  | GA | Second Home | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 144 (redacted) |  | 32622769 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM does not support the value used to qualify. Appraisal was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-03): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/03/2024 | 3 C A | C | C |  | GA | Second Home | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 144 (redacted) |  | 32622770 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form[redacted]was not provided. |  | The subject property was appraised Subject-to this appraiser comment: "There was a[redacted] that have [redacted] wood siding around the door of the subject. This is not a hazard area but the area around the door does need repair since this can lead to water coming in the home over time." The file is missing the [redacted] or acceptable alternative documentation as applicable to verify all work has been completed as required. |  |  |  | Reviewer Comment (2024-12-05): Received the Final inspectio[redacted] in file reflecting[redacted]completed, Exception cleared.<br>Buyer Comment (2024-12-05): Please see attached confirmation the repairs were completed. | 12/05/2024 |  |  | 1 C A | C | A C |  | GA | Second Home | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 145 (redacted) |  | 32622781 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 A | A | A |  | GA | Primary | Refinance - Cash-out - Other | D A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 145 (redacted) |  | 32622782 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. [redacted] valuation from subject transaction is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 3 D A | N/A | N/A D |  | GA | Primary | Refinance - Cash-out - Other | D A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 146 (redacted) |  | 32622790 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 A | A | A |  | GA | Primary | Refinance - Cash-out - Other | D A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 146 (redacted) |  | 32622791 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. [redacted] valuation from subject transaction is missing. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 3 D A | N/A | N/A D |  | GA | Primary | Refinance - Cash-out - Other | D A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 147 (redacted) |  | 32622820 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 A | A | A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 147 (redacted) |  | 32622821 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief.[redacted] | Note Date: ___; Lien Position: ___ | The file was missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/05/2024 | 2 A | N/A | N/A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 147 (redacted) |  | 32622822 |  | 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: ___&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but [redacted] declaration of disaster end date. | Property inspected post disaster but [redacted]declaration of disaster end date. Date of disaster: [redacted] | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-12-05): Inspection completed after the incident start date reflects no damages.[redacted]meets client guidelines. Client elects to waive with compensating factors. |  |  | 12/05/2024 | 2 B | B | B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 147 (redacted) |  | 32622825 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Please provide the Master Insurance policy for the subject Condominium Project. |  |  |  | Reviewer Comment (2024-12-06): Provided [redacted] for the subject property: Exception Cleared<br>Buyer Comment (2024-12-06): Please see attached [redacted] | 12/06/2024 |  |  | 1 C A | C | A C |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 148 (redacted) |  | 32622845 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 A | A | A |  | GA | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 148 (redacted) |  | 32622846 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec [redacted] |  |  |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 2 A | N/A | N/A |  | GA | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 149 (redacted) |  | 32622880 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 A | A | A |  | GA | Primary | Refinance - Cash-out - Other | D A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 149 (redacted) |  | 32622881 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal from prior transaction was in file. [redacted] valuation from subject transaction is missing.[redacted] | Note Date: ___; Lien Position: ___ | The file was missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 3 D A | N/A | N/A D |  | GA | Primary | Refinance - Cash-out - Other | D A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 150 (redacted) |  | 32622886 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 A | A | A |  | GA | Primary | Refinance - Cash-out - Other | D A | Non QM | Non QM | No |
| (redacted) | 150 (redacted) |  | 32622887 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. [redacted] valuation from subject transaction is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 3 D A | N/A | N/A D |  | GA | Primary | Refinance - Cash-out - Other | D A | Non QM | Non QM | No |
| (redacted) | 151 (redacted) |  | 32622896 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 A | A | A |  | GA | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 151 (redacted) |  | 32622897 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/05/2024 | 3 D A | N/A | N/A D |  | GA | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 152 (redacted) |  | 32622926 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/03/2024 | 2 A | A | A |  | GA | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 152 (redacted) |  | 32622927 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-02): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/02/2024 | 2 A | N/A | N/A |  | GA | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |

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## Exhibit 99.1

**Exhibit 99.1 Schedule 3**

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| |
|:---|
| ![](ex99-1sch3_001.jpg) |
| **Rating Agency Grades** |
| **Run Date - 11/26/2025 12:19:52 PM** |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Kroll** | **Moody's** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Kroll** | **Moody's** | **Morningstar** | **Morningstar** |
| (redacted) | 1 (redacted) |  |  | A | A | D A | N/A | N/A D | D A | A | A | D A | N/A | N/A D | D A |  |
| (redacted) | 2 (redacted) |  |  | A | C | A | N/A | N/A | C | A | B | A | N/A | N/A | B |  |
| (redacted) | 3 (redacted) |  |  | A | A | D A | N/A | N/A D | D A | A | A | D A | N/A | N/A D | D A |  |
| (redacted) | 4 (redacted) |  |  | A | A | D A | N/A | N/A D | D A | A | A | D A | N/A | N/A D | D A |  |
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| (redacted) | 8 (redacted) |  |  | A | A | A | N/A | N/A | A | A | A | A | N/A | N/A | A |  |
| (redacted) | 9 (redacted) |  |  | C | A | A | N/A | N/A | C | A | A | A | N/A | N/A | A |  |
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| (redacted) | 17 (redacted) |  |  | C | A | D A | N/A | N/A D | D C | A | A | D A | N/A | N/A D | D A |  |
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| (redacted) | 115 (redacted) |  |  | A | A | A | N/A | N/A | A | A | A | A | N/A | N/A | A |  |
| (redacted) | 116 (redacted) |  |  | B | A | D A | N/A | N/A D | D B | B | A | D A | N/A | N/A D | D B |  |
| (redacted) | 117 (redacted) |  |  | B | A | D A | N/A | N/A D | D B | B | A | D A | N/A | N/A D | D B |  |
| (redacted) | 118 (redacted) |  |  | A | A | D A | N/A | N/A D | D A | A | A | D A | N/A | N/A D | D A |  |
| (redacted) | 119 (redacted) |  |  | C | A | D A | N/A | N/A D | D C | A | A | D A | N/A | N/A D | D A |  |
| (redacted) | 120 (redacted) |  |  | B | A | D A | N/A | N/A D | D B | B | A | D A | N/A | N/A D | D B |  |
| (redacted) | 121 (redacted) |  |  | A | A | A | N/A | N/A | A | A | A | A | N/A | N/A | A |  |
| (redacted) | 122 (redacted) |  |  | A | A | A | N/A | N/A | A | A | A | A | N/A | N/A | A |  |
| (redacted) | 123 (redacted) |  |  | A | A | D A | N/A | N/A D | D A | A | A | D A | N/A | N/A D | D A |  |
| (redacted) | 124 (redacted) |  |  | A | A | A | N/A | N/A | A | A | A | A | N/A | N/A | A |  |
| (redacted) | 125 (redacted) |  |  | A | A | A | N/A | N/A | A | A | A | A | N/A | N/A | A |  |
| (redacted) | 126 (redacted) |  |  | A | B | D A | N/A | N/A D | D B | A | A | D A | N/A | N/A D | D A |  |
| (redacted) | 127 (redacted) |  |  | A | A | D A | N/A | N/A D | D A | A | A | D A | N/A | N/A D | D A |  |
| (redacted) | 128 (redacted) |  |  | A | A | D A | N/A | N/A D | D A | A | A | D A | N/A | N/A D | D A |  |
| (redacted) | 129 (redacted) |  |  | A | A | A | N/A | N/A | A | A | A | A | N/A | N/A | A |  |
| (redacted) | 130 (redacted) |  |  | A | A | D A | N/A | N/A D | D A | A | A | D A | N/A | N/A D | D A |  |
| (redacted) | 131 (redacted) |  |  | A | B | D A | N/A | N/A D | D B | A | B | D A | N/A | N/A D | D B |  |
| (redacted) | 132 (redacted) |  |  | A | A | A | N/A | N/A | A | A | A | A | N/A | N/A | A |  |
| (redacted) | 133 (redacted) |  |  | A | A | D A | N/A | N/A D | D A | A | A | D A | N/A | N/A D | D A |  |
| (redacted) | 134 (redacted) |  |  | A | A | D A | N/A | N/A D | D A | A | A | D A | N/A | N/A D | D A |  |
| (redacted) | 135 (redacted) |  |  | A | A | D A | N/A | N/A D | D A | A | A | D A | N/A | N/A D | D A |  |
| (redacted) | 136 (redacted) |  |  | A | A | D A | N/A | N/A D | D A | A | A | D A | N/A | N/A D | D A |  |
| (redacted) | 137 (redacted) |  |  | A | A | D A | N/A | N/A D | D A | A | A | D A | N/A | N/A D | D A |  |
| (redacted) | 138 (redacted) |  |  | A | A | D A | N/A | N/A D | D A | A | A | D A | N/A | N/A D | D A |  |
| (redacted) | 139 (redacted) |  |  | B | A | D A | N/A | N/A D | D B | B | A | D A | N/A | N/A D | D B |  |
| (redacted) | 140 (redacted) |  |  | B | A | D A | N/A | N/A D | D B | B | A | D A | N/A | N/A D | D B |  |
| (redacted) | 141 (redacted) |  |  | C | A | D A | N/A | N/A D | D C | A | A | D A | N/A | N/A D | D A |  |
| (redacted) | 142 (redacted) |  |  | A | A | D A | N/A | N/A D | D A | A | A | D A | N/A | N/A D | D A |  |
| (redacted) | 143 (redacted) |  |  | A | B | D A | N/A | N/A D | D B | A | B | D A | N/A | N/A D | D B |  |
| (redacted) | 144 (redacted) |  |  | A | A | C | C | N/A C | C A | A | A | C A | C | N/A C | C A |  |
| (redacted) | 145 (redacted) |  |  | A | A | D A | N/A | N/A D | D A | A | A | D A | N/A | N/A D | D A |  |
| (redacted) | 146 (redacted) |  |  | A | A | D A | N/A | N/A D | D A | A | A | D A | N/A | N/A D | D A |  |
| (redacted) | 147 (redacted) |  |  | C | A | A | N/A | N/A | C | B | A | A | N/A | N/A | B |  |
| (redacted) | 148 (redacted) |  |  | A | A | A | N/A | N/A | A | A | A | A | N/A | N/A | A |  |
| (redacted) | 149 (redacted) |  |  | A | A | D A | N/A | N/A D | D A | A | A | D A | N/A | N/A D | D A |  |
| (redacted) | 150 (redacted) |  |  | A | A | D A | N/A | N/A D | D A | A | A | D A | N/A | N/A D | D A |  |
| (redacted) | 151 (redacted) |  |  | A | A | D A | N/A | N/A D | D A | A | A | D A | N/A | N/A D | D A |  |
| (redacted) | 152 (redacted) |  |  | A | A | A | N/A | N/A | A | A | A | A | N/A | N/A | A |  |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 4**

---

| |
|:---|
| ![](ex99-1sch4_001.jpg) |
| **Valuation Report** |
| **Run Date - 11/26/2025 12:19:54 PM** |

---

---

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Investor Loan Number** | **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** |
| (redacted) | 1 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 2 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 3 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 4 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| (redacted) | 5 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| (redacted) | 6 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 7 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 8 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| (redacted) | 9 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 10 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 11 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 12 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.620% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| (redacted) | 13 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 14 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.380% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 15 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 16 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 17 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 18 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| (redacted) | 19 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 20 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 21 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.640% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| (redacted) | 22 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 23 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.250% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| (redacted) | 24 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.470% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| (redacted) | 25 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| (redacted) | 26 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.060% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| (redacted) | 27 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
| (redacted) | 28 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 29 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| (redacted) | 30 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.580% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 31 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 32 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 33 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 34 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 35 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.860% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| (redacted) | 36 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 37 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| (redacted) | 38 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 39 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| (redacted) | 40 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 23.780% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| (redacted) | 41 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 42 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 43 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| (redacted) | 44 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 45 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| (redacted) | 46 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 47 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| (redacted) | 48 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 49 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 50 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 51 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| (redacted) | 52 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.90 |
| (redacted) | 53 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| (redacted) | 54 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| (redacted) | 55 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
| (redacted) | 56 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 57 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 58 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 59 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 60 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 61 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| (redacted) | 62 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 63 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 64 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 65 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 66 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 67 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| (redacted) | 68 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 69 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 70 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 71 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| (redacted) | 72 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| (redacted) | 73 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 74 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 75 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| (redacted) | 76 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 77 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| (redacted) | 78 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| (redacted) | 79 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| (redacted) | 80 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 81 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| (redacted) | 82 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 83 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 84 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 85 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 86 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| (redacted) | 87 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 88 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 89 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| (redacted) | 90 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| (redacted) | 91 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 92 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 93 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 94 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 95 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| (redacted) | 96 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 97 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 98 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 99 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 100 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 101 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 102 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 103 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 104 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| (redacted) | 105 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| (redacted) | 106 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| (redacted) | 107 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 108 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| (redacted) | 109 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 110 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 111 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 112 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 113 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| (redacted) | 114 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 115 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| (redacted) | 116 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 117 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 118 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 119 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 120 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 121 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 122 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| (redacted) | 123 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 124 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| (redacted) | 125 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| (redacted) | 126 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 127 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 128 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 129 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| (redacted) | 130 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 131 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 132 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 133 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 134 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 135 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 136 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 137 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 138 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 139 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 140 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| (redacted) | 141 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 142 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 143 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 144 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -16.760% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| (redacted) | 145 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| (redacted) | 146 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| (redacted) | 147 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| (redacted) | 148 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| (redacted) | 149 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| (redacted) | 150 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| (redacted) | 151 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 152 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |

---

## Exhibit 99.2

**Exhibit 99.2**

![](ex99-2_001.jpg)

Consolidated Analytics, Inc.

Form ABS Due Diligence 15-E

BARC 2025-NQM7

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

**FORM ABS DUE DILIGENCE-15E**

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

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

Legal Name: Consolidated Analytics, Inc.

Business Name (If Different):

Principal Business Address: 1 MacArthur Place – Suite 100, Santa Ana, CA 92707

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

Legal Name: Sutton Funding LLC

Business Name (If Different):

Principal Business Address: 745 7th Ave., New York, NY 10019

In connection therewith, Client shall pay to Consolidated Analytics the greater of a fee totaling $2500.00 or $25 per loan, which fee the Client acknowledges and agrees shall be paid concurrently with the funding of the transaction in connection with which this letter is being delivered.

**Item 3: Credit rating criteria**

The third-party due diligence services performed are intended to satisfy the criteria for due diligence by nationally recognized rating organization(s) identified below.

Identity of NRSRO <u>Title and Date of Criteria</u> <br> <u>S&P Global Ratings</u> <u> Global Methodology And Assumptions: Assessing Pools Of <br> Residential Loans, Jan. 25, 2019, and Global Methodology And Assumptions: Assessing Pools Of<br> Residential Loans--U.S. And Canada Supplement, Feb 21, 2025</u>

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

See Attachment A.

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

See Attachment B.

**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.

Consolidated Analytics, Inc.

_____________________________________

By:

Date: _________________________

**Attachment A**

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

BARC 2025-NQM7

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

Consolidated Analytics, Inc. ("Consolidated Analytics") performed certain due diligence services (the "Review") described below on newly originated residential mortgage loans acquired by Sutton Funding LLC through a bulk purchase. The Review was conducted from May 2025 through October 2025 on mortgage loans originated between May 2025 and October 2025.

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

The Review consisted of a sample population of 464 loans with an aggregate principal balance of $284,633,010.00.

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

The sample population was determined and provided by Consolidated Analytics' client (as identified by Item 2). The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations S&P Global Ratings, NRSRO(s), identified in Item 3 of the ABS Due Diligence-15E. Consolidated Analytics does not know the size of the overall securitization population and other third-party review ("TPR") firms may have reviewed loans within the overall securitization population.

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;Original Appraised Value |
| &nbsp;&nbsp;Rate Lock Date | &nbsp;&nbsp;Original PI Payment | &nbsp;&nbsp;Borrower Last Name |
| &nbsp;&nbsp;Escrow Indicator | &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Orig Front End DTI | &nbsp;&nbsp;Original Note Rate | &nbsp;&nbsp;Original CLTV |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Orig Back End DTI | &nbsp;&nbsp;Property Address | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;UW FICO Utilized |
| &nbsp;&nbsp;AUS Type | &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;All Borrower Total Income |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Reserves |
| &nbsp;&nbsp;Original HOA Payment | &nbsp;&nbsp;Application Date | &nbsp;&nbsp;Months Reserves |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;As-is Value | &nbsp;&nbsp;Borrower Appraisal Receipt Date | &nbsp;&nbsp;DSCR |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;Citizenship | &nbsp;&nbsp;T&I Payment |
| &nbsp;&nbsp;Index | &nbsp;&nbsp;FTHB Flag | &nbsp;&nbsp;Cashout (Incl. Debt Paid at Close) |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;Qualifying All Borrower Residual Income |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;Cash out Include Debt Paid at Close |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;Lock Term (Days) | &nbsp;&nbsp;Qualifying Total Monthly Liabilities |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;Total Liquid Assets Available For Close |
| &nbsp;&nbsp;Total Qualified Assets Available | &nbsp;&nbsp;Borrower 2 Qualifying Income | &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Qualifying Monthly P&I Amount | &nbsp;&nbsp;Reviewed Appraised Property Value |
| &nbsp;&nbsp;Qualifying Interest Rate | &nbsp;&nbsp;Qualifying CLTV |  |

---

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

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:

A. QM or ATR Validation / Review of 8 Key Underwriting Factors

&nbsp;&nbsp;&nbsp;&nbsp;1. Income / Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate borrower(s) monthly gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate funds required to close, required reserves

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

&nbsp;&nbsp;&nbsp;&nbsp;2. Employment Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly Mortgage Payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Confirm program, qualifying rate, terms

&nbsp;&nbsp;&nbsp;&nbsp;4. Simultaneous Loans

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

&nbsp;&nbsp;&nbsp;&nbsp;5. Mortgage Related Obligations: PITI, HOA, PMI, etc.

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

&nbsp;&nbsp;&nbsp;&nbsp;6. Debts / Obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate monthly recurring liabilities

&nbsp;&nbsp;&nbsp;&nbsp;7. DTI and/or Residual Income

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Documentation meets Appendix Q requirements for QM Loans

&nbsp;&nbsp;&nbsp;&nbsp;8. Credit History

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Determine representative credit score from credit report

&nbsp;&nbsp;&nbsp;&nbsp;9. Validate loan-to-value (LTV) and combined loan-to-value

&nbsp;&nbsp;&nbsp;&nbsp;10. Review borrower's occupancy

&nbsp;&nbsp;&nbsp;&nbsp;11. Validation through third party resource of the subject properties most recent twelve (12) month sales
history

&nbsp;&nbsp;&nbsp;&nbsp;12. 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;13. Confirm that Final 1003 is sufficiently completed

&nbsp;&nbsp;&nbsp;&nbsp;14. Provide Audit 1008 with accurate data based on file documentation

&nbsp;&nbsp;&nbsp;&nbsp;15. Confirm Loan Approval conditions were met

&nbsp;&nbsp;&nbsp;&nbsp;16. 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

&nbsp;&nbsp;&nbsp;&nbsp;17. General QM for any loans originated under the GQM Rule

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Pricing Thresholds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Pricing for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5% for a first-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5% for a first-lien covered transaction with a loan amount less than the applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Pricing for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5% for a subordinate-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a subordinate-lien covered transaction with a loan amount less than the applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Pricing for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction secured by a manufactured home with a loan amount equal to or greater than the applicable
dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a covered transaction secured by a manufactured home with a loan amount less than the applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Consider Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Consumer's current or reasonably expected income or assets (other than the value of 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;ii. The consumer's debt obligations, alimony, child support; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. The monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Verification of Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verification in compliance with one of the "safe harbor" guidelines will meet the QM verification requirement. A creditor
is allowed to "mix and match" provisions of the different guidelines rather than only apply one guideline per loan.

The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer's income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the **verification** requirement. These specified manuals are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June 10, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sections II.A.1 and II.A.4-5 of the Federal Housing Administration's Single Family Housing Policy Handbook, issued October 24,
2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Chapter 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February 22, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Chapter 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct Single Family Housing Program, revised
March 15, 2019; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Chapters 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single Family Guaranteed Loan Program, revised
March 19, 2020.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;1. Review original appraisal, determination that property is in "average" condition or better,
or property requires cosmetic improvements (as defined by the appraiser) that do not affect habitability

&nbsp;&nbsp;&nbsp;&nbsp;2. 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;3. 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;4. 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;5. Review adjustments (line item, net and gross adjustments) to ensure they are reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;6. Ensure that the appraisal conforms to the guidelines provided from the Client

&nbsp;&nbsp;&nbsp;&nbsp;7. Review appraisal to ensure all required documents were included.

&nbsp;&nbsp;&nbsp;&nbsp;8. Review location map provided within the appraisal for external obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;9. Ensure highest and best use and zoning complies with guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;10. Confirm there are no marketability issues that affect the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;11. Ensure subject property does not suffer any functional obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;12. 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;13. Additional valuation products were not required when the CU score provided was 2.5 or below or the 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 score was
not eligible for R&W 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 R&W 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-close valuation review scenario (464 loans in total):

Twenty-two (22) loans had a Secondary Appraisal, zero (0) loans had AVMs, and four hundred sixty-two (462) loans had a Desktop Review. Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then a Field Review, a Broker Price Opinion (BPO) along with a Reconciliation of the values or a 2nd Appraisal was completed. There was one (1) occurrence of this.

Two (2) loans had a Field Review or BPO, and zero (0) loans had a Full Appraisal Review.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Not applicable.

**Attachment B<br> Item 5: Summary of findings and conclusions of review**

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of<br> Sample |
| Event Grade A | 455 | $269568147.00 | 98.06% |
| Event Grade B | 9 | $15064863.00 | 1.94% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 464 | $284633010.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 457 | 98.49% |
| Event Grade B | 7 | 1.51% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 464 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 464 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 464 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 462 | 99.57% |
| Event Grade B | 2 | 0.43% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 464 | 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<br> Type | &nbsp;&nbsp;Exception <br> Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;317 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;The Deed of Trust is Incomplete | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Rent Loss Insurance Missing | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;The Note is Incomplete | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Asset 2 Does Not Meet Guideline Requirements | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Missing Lease Agreement | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;The Deed of Trust is Not Executed | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Purchase Contract is Incomplete | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Asset 1 Does Not Meet Guideline Requirements | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Hazard Insurance Policy is Partial | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;The Final 1003 is Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Missing letter of explanation | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Missing Business Entity Formation Document | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;HO-6 Insurance Policy is Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Approval/Underwriting Summary Not Provided | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Income/Employment General | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Asset 3 Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Missing Letter of Explanation (Credit) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Business Purpose Affidavit/Disclosure Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Hazard Insurance Policy is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Satisfactory Chain of Title not Provided | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Borrower Non-US Citizen Identification Document Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Personal Guaranty Agreement Incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Title Document Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Verification of Borrower Liabilities Missing or Incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;HO6 Master Insurance Policy is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Title Document is Partially Present | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;The Deed of Trust is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Purchase is not considered to be an Arm's Length Transaction | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower Contributions Do Not Met Guideline Minimum | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 2 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing final HUD-1 from sale of non-subject property | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Purchase Contract Expiration Date is prior to Note Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower has less than 2 FICO scores and does not meet minimum required to be scored. | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 Business Bank Statements Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset 6 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 Lease Agreements Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset 7 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Letter of Explanation (Income) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Loan has escrow holdback. No proof it was released provided in file | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Property Tax Cert | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Assets do not meet guideline requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Tax Cert | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset 4 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Trust Agreement | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 CPA Letter Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Cash reserves less than required by guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;DSCR is less than guideline minimum | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 W2/1099 Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Final CD: Calculating Cash to Close Closing Costs Paid, Closing Costs Financed, Down Pmt, Deposit, and/or Funds for Borrower discrepancy | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;The Note is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Flood Certificate Missing | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Asset General | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Loan Agreement Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Profit and Loss Does Not Meet Guidelines | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Asset 2 Expired | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;1-4 Family Rider is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;HO6 Master Insurance Policy is Partial | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**516** |
|  | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;4 |
|  | &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;No Credit Findings | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Audited Loan Amount is greater than Guideline Maximum Loan Amount | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Asset 2 Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Assets do not meet guideline requirements | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Cash Out Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Asset 3 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Business Purpose Affidavit/Disclosure Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;**B** | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;**21** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;414 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;26 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;TRID: Missing Closing Disclosure | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Qualified Mortgage Lending Policy Points and Fees Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;The Note is Not Executed | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Revised Loan Estimate Delivery Date Test (prior to consummation) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;CA Per Diem Interest Amount Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Final CD: Closing Date is missing or inaccurate | &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;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;**463** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;**9** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;442 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Appraisal is Missing | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Subject property appraisal is not on an as-is basis (Primary Value) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;The appraiser was not licensed (Primary Value) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;1 |

---

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;Property Issue(s) are Present | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Property Type does not meet eligibility requirement(s) | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;**457** |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;Appraisal is Expired | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;Ineligible Property | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;**9** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the four hundred sixty-four (464) mortgage loans reviewed, one hundred sixty-six (166) unique mortgage loans (35.78% by loan count) had a total of two-hundred eighteen (218) different tape discrepancies across twenty-three (23) 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<br> Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Borrower Appraisal Receipt Date | &nbsp;&nbsp;77 | &nbsp;&nbsp;35.32% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;28 | &nbsp;&nbsp;12.84% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;23 | &nbsp;&nbsp;10.55% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;23 | &nbsp;&nbsp;10.55% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;21 | &nbsp;&nbsp;9.63% |
| &nbsp;&nbsp;Lock Term (Days) | &nbsp;&nbsp;10 | &nbsp;&nbsp;4.59% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.29% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.29% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.29% |
| &nbsp;&nbsp;Qualifying Total Monthly Liabilities | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.92% |
| &nbsp;&nbsp;Total Liquid Assets Available For Close | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.92% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.92% |
| &nbsp;&nbsp;Total Qualified Assets Available | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.92% |
| &nbsp;&nbsp;Borrower 2 Qualifying Income | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.92% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.92% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.92% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.46% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.46% |
| &nbsp;&nbsp;Reviewed Appraised Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.46% |
| &nbsp;&nbsp;Qualifying Monthly P&I Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.46% |
| &nbsp;&nbsp;Qualifying Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.46% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.46% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.46% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**218** | &nbsp;&nbsp;**100.00%** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 1**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 6484552 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 6494318 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| 6494348 | XXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX |  |
| 6503716 | XXX | Borrower 1 Citizen | XXX | XXX | Both Borrowers are Perm Residents |
| 6503716 | XXX | Cash out Include Debt Paid at Close | XXX | XXX | Paid off debt and a 2nd lien XXX months old |
| 6503716 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per disclosure |
| 6503640 | XXX | Cash out Include Debt Paid at Close | XXX | XXX | Includes the liabilities paid off at close. |
| 6503718 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| 6503712 | XXX | Lock Term (Days) | XXX | XXX | Per lock |
| 6503712 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| 6503657 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 6503767 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| 6503778 | XXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Per final CD. |
| 6503656 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Taken from appraisal receipt date |
| 6503651 | XXX | Property Type | XXX | XXX | Property type is verified via Appraisal report. |
| 6503651 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date verified. |
| 6503615 | XXX | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| 6503615 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| 6503693 | XXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Per final CD |
| 6503693 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal delivery doc |
| 6503655 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date verified. |
| 6503709 | XXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 6503709 | XXX | Qualifying FICO | XXX | XXX | Per Primary Wage Earner middle score |
| 6503709 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 6503632 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal delivery receipt |
| 6503699 | XXX | Borrower 1 FTHB | XXX | XXX | Per Final 1003 |
| 6503699 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 6503700 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| 6503700 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX |  |
| 6503613 | XXX | Cash out Include Debt Paid at Close | XXX | XXX | Per Final CD |
| 6503613 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 6503650 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| 6503706 | XXX | Qualifying Interest Rate | XXX | XXX | Per Note at the greater of the Fully Indexed Rate or Note Rate |
| 6503706 | XXX | Qualifying Monthly P&I Amount | $XXX | $XXX | Per Note at the greater of the Fully Indexed Rate or Note Rate |
| 6503706 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 6573276 | XXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Per final CD |
| 6573289 | XXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Final CD update date |
| 6573304 | XXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Cash disbursement date verified. |
| 6573324 | XXX | Cash out Include Debt Paid at Close | XXX | XXX | Taken from final CD |
| 6573377 | XXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Per Post Close CD |
| 6573279 | XXX | Borrower 1 Citizen | XXX | XXX | Citizenship verified. |
| 6573279 | XXX | Qualifying FICO | XXX | XXX | Primary wage earner FICO used for audit. |
| 6573297 | XXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Cash disbursement date verified. |
| 6573298 | XXX | Borrower 1 Citizen | XXX | XXX | Per 1003 |
| 6573298 | XXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Per final CD |
| 6573308 | XXX | Note Date | XX/XX/XXXX | XX/XX/XXXX | Taken from assets |
| 6573347 | XXX | Qualifying FICO | XXX | XXX | Primary earner mid score |
| 6573437 | XXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Per Post Closing CD |
| 6573310 | XXX | Borrower 1 Citizen | XXX | XXX | Citizenship verified via docs |
| 6573310 | XXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Cash disbursement date verified via final CD. |
| 6573332 | XXX | Borrower 1 Citizen | XXX | XXX | Citizenship verified. |
| 6573421 | XXX | Borrower 1 Citizen | XXX | XXX | Per 1003 |
| 6573433 | XXX | Borrower 2 Qualifying Income | XXX | XXX | Per income docs |
| 6573345 | XXX | Borrower 1 Citizen | XXX | XXX | Permanent resident alien per 1003 |
| 6573355 | XXX | Qualifying FICO | XXX | XXX | Per Primary wage earner |
| 6573399 | XXX | Lock Term (Days) | XXX | XXX | Per lock agreement |
| 6573417 | XXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Final CD reflects Disbursement Date of XX/XX/XXXX |
| 6573423 | XXX | Borrower 1 Citizen | XXX | XXX | Citizenship verified. |
| 6573465 | XXX | Qualifying FICO | XXX | XXX | Per Primary Wage Earner middle credit score |
| 6573278 | XXX | Borrower 1 Citizen | XXX | XXX | Per 1003 |
| 6573295 | XXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Cash disbursement date verified via final CD. |
| 6573321 | XXX | Borrower 2 Qualifying Income | XXX | XXX | Bwr XXX month bank statements being used to qualify. 3 separate accounts used. All business accounts <br> All accounts caluclated the same with a XXX% expense ratio. <br> XXX - $XXX/mo and XXXl - $XXX/mo / change does not exceed DTI max  |
| 6573323 | XXX | Lock Term (Days) | XXX | XXX | lock term date updated |
| 6573371 | XXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Per final CD |
| 6573396 | XXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Cash disbursement verified via PCCD. |
| 6573290 | XXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Taken from final CD |
| 6573296 | XXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Taken from final CD |
| 6573367 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 6573300 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| 6573356 | XXX | Qualifying FICO | XXX | XXX | Per Primary Wage Earner |
| 6573359 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Taken from appraisal receipt |
| 6573365 | XXX | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| 6573365 | XXX | Borrower 1 Qualifying Income | XXX | XXX | Per income docs |
| 6573365 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| 6573383 | XXX | Qualifying FICO | XXX | XXX | Primary earner mid score |
| 6573383 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date updated |
| 6573407 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| 6573413 | XXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Final CD confirms Disb date |
| 6573413 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date updated |
| 6573428 | XXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Per final CD |
| 6573438 | XXX | Borrower 1 Qualifying Income | XXX | XXX | Per income docs |
| 6573438 | XXX | Qualifying FICO | XXX | XXX | Per credit docs/guidelines |
| 6573438 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| 6573442 | XXX | Borrower 1 Qualifying Income | XXX | XXX | Per income docs |
| 6573442 | XXX | Qualifying FICO | XXX | XXX | Per credit docs |
| 6573442 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| 6573449 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date verified. |
| 6573281 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 6573291 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date updated |
| 6573303 | XXX | Borrower 1 Citizen | XXX | XXX | Borrowers are permanent residents. |
| 6573342 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| 6573424 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date updated |
| 6573275 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| 6573285 | XXX | Borrower 1 Qualifying Income | XXX | XXX | Reduced due to not able to locate the EM $XXX. |
| 6573313 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date updated |
| 6573330 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date updated |
| 6573341 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date verified. |
| 6573375 | XXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Cash disbursement date verified via final CD. |
| 6573375 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date verified. |
| 6573382 | XXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Taken from final CD |
| 6573382 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Taken from appraisal receipt date |
| 6573391 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Taken from appraisal receipt |
| 6573411 | XXX | Qualifying FICO | XXX | XXX | Per Primary Wage Earner |
| 6573411 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal |
| 6573420 | XXX | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| 6573420 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| 6573430 | XXX | Qualifying FICO | XXX | XXX | Primary Mid score |
| 6573430 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date updated |
| 6573434 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| 6573447 | XXX | Qualifying FICO | XXX | XXX | FICO score verified for Primary Wage Earner. |
| 6573447 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date verified. |
| 6573450 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date updated |
| 6573455 | XXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Taken from final CD |
| 6573284 | XXX | Qualifying FICO | XXX | XXX | Per Primary Wage Earner |
| 6573353 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| 6573357 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| 6573381 | XXX | Borrower 1 Citizen | XXX | XXX | B1 is a Permanent Res, ID on file |
| 6573381 | XXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Final CD confirms Disb date of XX/XX/XXXX |
| 6573381 | XXX | Borrower 1 FTHB | XXX | XXX | Bwrs are FTHBs |
| 6573381 | XXX | Qualifying FICO | XXX | XXX | Primary wage earner Mid Score |
| 6573412 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Taken from appraisal receipt date |
| 6573414 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Taken from appraisal receipt |
| 6573426 | XXX | Borrower 1 Citizen | XXX | XXX | Confirmed on the Final 1003. |
| 6573426 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed on the appraisal receipt. |
| 6573427 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date verified. |
| 6573443 | XXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Final CD confirms Disb date |
| 6573443 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date updated |
| 6573453 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed on appraisal receipt doc. |
| 6573328 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| 6573333 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date updated |
| 6573348 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date verified. |
| 6573360 | XXX | Borrower 1 Qualifying Income | XXX | XXX | Per income docs |
| 6573360 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX |  |
| 6573368 | XXX | Reviewed Appraised Property Value | $XXX | $XXX | Appraised value used from prior sale XX/XX/XXXX |
| 6573368 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date verified. |
| 6573374 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date verified. |
| 6573392 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date verified. |
| 6573404 | XXX | Borrower 1 FTHB | XXX | XXX | First time homebuyer |
| 6573404 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Taken from appraisal receipt |
| 6573409 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date verified. |
| 6573415 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date verified. |
| 6573419 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Taken from appraisal receipt |
| 6573439 | XXX | Borrower 1 FTHB | XXX | XXX | Bwr is a FTHB |
| 6573439 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date updated |
| 6573446 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 6573460 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Taken from appraisal receipt date |
| 6573461 | XXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Per Post Closing CD |
| 6573461 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 6573466 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| 6573469 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 6573470 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date updated |
| 6573373 | XXX | Originator Doc Type | XXX | XXX | Per loan approval |
| 6573373 | XXX | Total Liquid Assets Available For Close | XXX | XXX | Per final CD cash out used for reserves |
| 6573373 | XXX | Total Qualified Assets Available | XXX | XXX | Per final CD cash out used for reserves |
| 6573373 | XXX | Qualifying Total Monthly Liabilities | XXX | XXX | Per liabilities from credit report |
| 6573390 | XXX | Qualifying Total Reserves Number of Months | XXX | XXX | Does not include the credit for the XXX exchange. |
| 6573390 | XXX | Total Liquid Assets Available For Close | XXX | XXX | Does not include the credit for the XXX exchange. |
| 6573390 | XXX | Qualifying Total Monthly Liabilities | XXX | XXX | DSCR does not require REO to be completed. |
| 6573454 | XXX | Originator Doc Type | XXX | XXX | Per approval |
| 6573454 | XXX | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs |
| 6573454 | XXX | Total Qualified Assets Available | XXX | XXX | Per asset docs |
| 6573454 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| 6573431 | XXX | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| 6573337 | XXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Taken from final CD |
| 6573337 | XXX | Calculated DSCR | XXX | XXX | HOA dues are higher on the Appraisal, resulting in a lower DSCR ratio. LTV still is under guidelines. |
| 6539500 | XXX | Borrower 1 FTHB | XXX | XXX | Borrower is a FTHB. |
| 6539513 | XXX | Calculated DSCR | XXX | XXX | Hazard insurance is higher than noted on the CD. |
| 6539535 | XXX | Borrower 1 Citizen | XXX | XXX | Per 1003's and ID documentation. |
| 6539568 | XXX | Qualifying FICO | XXX | XXX |  |
| 6539579 | XXX | Lock Term (Days) | XXX | XXX | Taken from lock agreement |
| 6539605 | XXX | Qualifying FICO | XXX | XXX | Per Primary Wage Earner's mid credit score |
| 6539625 | XXX | Qualifying FICO | XXX | XXX |  |
| 6539512 | XXX | Borrower 1 Self-Employment Flag | XXX | XXX | Employment type verified. |
| 6539599 | XXX | Borrower 1 FTHB | XXX | XXX | First time homebuyer |
| 6539616 | XXX | Borrower 1 FTHB | XXX | XXX | Per Fina 1003 |
| 6539476 | XXX | Calculated DSCR | XXX | XXX | DSCR calculation verified. |
| 6539670 | XXX | Borrower 1 Citizen | XXX | XXX | Per Permanent Resident ID card |
| 6539501 | XXX | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| 6539530 | XXX | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| 6539545 | XXX | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| 6539589 | XXX | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| 6539619 | XXX | Borrower 1 FTHB | XXX | XXX | XXX |
| 6539620 | XXX | Borrower 1 Citizen | XXX | XXX | Per Permanent Resident card |
| 6539514 | XXX | Borrower 1 Self-Employment Flag | XXX | XXX | No self-employed |
| 6539611 | XXX | Borrower 1 Citizen | XXX | XXX | Per Permanent Resident Card |
| 6539678 | XXX | Borrower 1 Citizen | XXX | XXX | Per 1003 |
| 6539615 | XXX | Lock Term (Days) | XXX | XXX | Lock term XXX |
| 6539523 | XXX | Borrower 1 FTHB | XXX | XXX | Per Final 1003 |
| 6539529 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Taken from appraisal receipt date. |
| 6539580 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date |
| 6539495 | XXX | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| 6539570 | XXX | Borrower 1 FTHB | XXX | XXX | Borrower is FTHB |
| 6539544 | XXX | Lock Term (Days) | XXX | XXX | Per lock |
| 6539636 | XXX | Qualifying FICO | XXX | XXX | B2 |
| 6539642 | XXX | Qualifying FICO | XXX | XXX | Per Primary Wage Earner |
| 6539679 | XXX | Borrower 1 Citizen | XXX | XXX | Citizenship verified. |
| 6539680 | XXX | Lock Term (Days) | XXX | XXX | Per lock |
| 6539622 | XXX | Qualifying LTV | XXX | XXX |  |
| 6539622 | XXX | Qualifying CLTV | XXX | XXX |  |
| 6539607 | XXX | Borrower 1 Citizen | XXX | XXX | Borrower is a permanent resident alien. |
| 6539549 | XXX | Borrower 1 Citizen | XXX | XXX | Borrower is a permanent resident alien. |
| 6539575 | XXX | Borrower 1 FTHB | XXX | XXX | First time homebuyer |
| 6539618 | XXX | Borrower 1 Citizen | XXX | XXX | Per 1003 and supporting docs |
| 6539572 | XXX | Calculated DSCR | XXX | XXX | DSCR matching figures and Final 1008 |
| 6539612 | XXX | Borrower 1 FTHB | XXX | XXX | Bwr is a FTHB/I |
| 6539493 | XXX | Lock Term (Days) | XXX | XXX | Lock term verified. |
| 6539603 | XXX | Cash out Include Debt Paid at Close | XXX | XXX | Cash-out verified. |
| 6539603 | XXX | Lock Term (Days) | XXX | XXX | Lock term verified. |
| 6539621 | XXX | Calculated DSCR | XXX | XXX | Tax escrow slightly different. |
| 6539668 | XXX | Borrower 1 Citizen | XXX | XXX | Per 1003 |
| 6539681 | XXX | Qualifying FICO | XXX | XXX | Per Primary Wage Earner mid score |
| 6539509 | XXX | Lock Term (Days) | XXX | XXX | Per Lock Form |
| 6539604 | XXX | Borrower 1 Citizen | XXX | XXX | Per 1003 |
| 6539657 | XXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Per final CD |
| 6539675 | XXX | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| 6539520 | XXX | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| 6539520 | XXX | Qualifying FICO | XXX | XXX | Per Primary Wage Earner |
| 6494325 | XXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal delivery receipt |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** |
| 6551255 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/17/2025 | Resolved | FCOM1223 | Credit | The Deed of Trust is Not Executed | The Deed of Trust is Not Executed Missing copies of the mortgage and the riders executed by the borrower for the business/XXX to match page XXX of the mortgage. Title shows vesting in the name of the business. | Document Uploaded. | 09/25/2025 | The Deed of Trust is Executed | 09/25/2025 | 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. A |
| 6551255 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/17/2025 | Resolved | FCOM1207 | Compliance | The Note is Not Executed | The Note is Not Executed Missing copy of the note, prepayment addendum and note addendum fully executed by the borrower for the business to match title vesting. | Document Uploaded. | 09/25/2025 | The Note is Executed | 09/25/2025 | 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. A |
| 6551255 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/18/2025 | 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. A |
| 6484552 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/16/2025 | Resolved | FCOM1232 | Credit | The Final 1003 is Missing | The Final 1003 is Missing | Document Uploaded. | 07/23/2025 | Documentation is sufficient. 1003 provided. Exception resolved.; The Final 1003 is Present | 07/24/2025 | D A |
| 6484552 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/17/2025 | D A |
| 6484552 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/17/2025 | D A |
| 6494318 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/28/2025 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Verification of rent is not filled out at all in Section XXX which should list the name and address of the landlord. | Document Uploaded. ; Document Uploaded. | 07/31/2025 | Documentation is sufficient. VOR provided. Exception resolved.; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present.; The Landlord information should be on the actual VOR form. Exception remains. | 08/01/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A |
| 6494318 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/29/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A |
| 6494318 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/29/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A |
| 6494225 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/24/2025 | Resolved | FCOM2727 | Credit | Final CD: Calculating Cash to Close Closing Costs Paid, Closing Costs Financed, Down Pmt, Deposit, and/or Funds for Borrower discrepancy | Subject loan was locked and approved as a No Cash-out refinance. PCCD shows lien pay-off was less and Borrower received back more than the lesser of XXX% or XXX making the subject loan a Cash-out refinance. | Document Uploaded. ; Document Uploaded. | 08/08/2025 | Documentation is sufficient. Revised CD provided. Exception resolved.; The principle reduction on the revised CD needs to go to the Lender, not the Borrower. Exception remains. | 08/11/2025 | C A |
| 6494225 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/25/2025 | C A |
| 6494225 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/25/2025 | C A |
| 6494348 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/24/2025 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Loan file is missing Final signed Business Purpose Affidavit/Disclosure by XXX. Final signed Business Purpose Affidavit/Disclosure is required. | Document Uploaded. ; please send back, I see what you're asking for XXX and not Marci. ; Document Uploaded. | 08/21/2025 | Documentation is sufficient. Business Purpose document provided. Exception resolved.; Business Purpose Affidavit/Disclosure Provided; Please send Business Purpose Cert for XXX. Exception remains. | 08/21/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| 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 XXX% is less than Guideline LTV of XXX% A |
| 6494348 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/24/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Missing Final signed HUD/CD/Settlement Statement for the sale of the property located at XXX XXX | Document Uploaded. | 07/28/2025 | Documentation sufficient. Closing Statement provided. Reserves XXX. Exception resolved.; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 07/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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 XXX% is less than Guideline LTV of XXX% A |
| 6494348 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/24/2025 | Resolved | FCRE0382 | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. The loan file is missing the Final signed HUD/CD/Settlement Statement for the sale of the property located at XXX XXX, and the executed XXX Exchange agreement for those funds from the sale. | Document Uploaded. ; Document Uploaded. | 07/28/2025 | Documentation sufficient. Closing Statement provided. Exception resolved.; Funds are found to meet guidelines. | 07/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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 XXX% is less than Guideline LTV of XXX% A |
| 6494348 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/24/2025 | Acknowledged | FCRE1199 | Credit | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited Loan Amount of XXX is greater than the Guideline Maximum Loan Amount of XXX Max Loan Amount per Alt-Doc Prime guidelines dated XX/XX/XXXX is XXX | Document Uploaded. | 07/28/2025 | Guideline maximum loan amount is $XXX. The subject loan amount is XXX exceeding the guideline maximum. However, a loan exception was approved for the higher loan amount, citing compensating factors of an XXX credit history/minimal use of consumer credit, excessive reserves, a low DTI and significant residual income. Acknowledged and downgraded. | 07/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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 XXX% is less than Guideline LTV of XXX% A |
| 6494348 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/25/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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 XXX% is less than Guideline LTV of XXX% A |
| 6494348 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/25/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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 XXX% is less than Guideline LTV of XXX% A |
| 6503614 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/29/2025 | 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% A |
| 6503614 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/29/2025 | 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% A |
| 6503614 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/29/2025 | 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% A |
| 6503788 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/08/2025 | Resolved | FCOM1206 | Credit | The Note is Missing | The Note is Missing. Missing the Note executed as well. | Document Uploaded. | 08/12/2025 | Documentation is sufficient. Complete Note provided. Exception resolved.; The Note is Present. | 08/13/2025 | D A |
| 6503788 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/08/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Missing the LLC Rider, Inter Vivos Revocable Trust Rider, Inter Vivos Revocable Trust Rider. | Document Uploaded. | 08/12/2025 | Documentation is sufficient. Updated Deed of Trust provided. Exception resolved.; The Deed of Trust is Present and Complete | 08/13/2025 | D A |
| 6503788 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/08/2025 | Resolved | FCRE2007 | Credit | Loan Agreement Missing | Missing loan agreement as required per guidelines or as referenced in the loan file. Missing Lender Guaranty Agreement. | Document Uploaded. | 08/12/2025 | Documentation is sufficient. Loan Agreement provided. Exception resolved.; Loan Agreement Present | 08/13/2025 | D A |
| 6503788 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/08/2025 | Resolved | FCOM1232 | Credit | The Final 1003 is Missing | The Final 1003 is Missing Missing the Final 1003 for all borrowers. | Document Uploaded. | 08/12/2025 | Documentation is sufficient. Final 1003 provided. Exception resolved.; The Final 1003 is Present | 08/13/2025 | D A |
| 6503788 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/08/2025 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | Missing EIN documentation. | Document Uploaded. | 08/12/2025 | Documentation is sufficient. EIN information provided. Exception resolved. | 08/13/2025 | D A |
| 6503788 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/11/2025 | D A |
| 6503788 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/11/2025 | D A |
| 6503716 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/11/2025 | 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. A |
| 6503716 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/11/2025 | 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. A |
| 6503716 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/11/2025 | 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. A |
| 6503640 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informantional | 08/15/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6503640 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informantional | 08/15/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6503640 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informantional | 08/15/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6503611 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/06/2025 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The total income verified was XXX per month, because the following were excluded: recurring $XX/XX/XXXX, XXX and XXX XXX transfers - although the amounts vary by month, the total is between XXX and $XXX; it appears to be made to offset the borrower's monthly rent of $XXX; transfers from savings; child support; and, cash deposits (XXXnnot be sourced). On the Final 1003, the child support wasn't separated as a source of income, so it wasn't used; the bank Statement program, even on personal accounts, is to determine the income from the business. The source of income [from the XXX] cannot be linked to the business without supporting documentation; subject to receipt of clarification regarding these transfers. Income will be recalculated upon receipt. | Document Uploaded. ; uploade3d rebuttal XXX and updated docs ; Document Uploaded. ; Document Uploaded. | 08/21/2025 | Documentation is sufficient. Using XXX payments for income calculations. XXX is not a banking institution, but a financial services platform. It does not have a banking license or operate as a financial institution. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Guidelines State transfers from other bank accounts or asset accounts are to be excluded. A Lender exception would be required. Exception remains.; The guidelines State transfers from other bank or asset accounts are to be excluded. A Lender exception would be required to accept the deposits or approve with the higher DTI. Exception remains. | 08/21/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% A |
| 6503611 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/06/2025 | Rescinded | FVAL5981 | Property | Property Type does not meet eligibility requirement(s) | Subject property is an investment property in a Rural neighborhood, however, per guidelines, Rural properties are not permitted under Investment occupancy. | erroneous- property does not meet all XXX GL requirements for rural considerations - surrounding area is developed more than XXX% | 08/08/2025 | Documentation is sufficient. Property meets guidelines. Exception rescinded. | 08/11/2025 | C A |
| 6503611 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/07/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6503718 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/08/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Per lender guidelines: The borrower utilizing bank Statement income must still earn the majority of their income from the bank Statement income activity. Bank Statement income is XXX per month vs Wage/2nd job income is XXX per month. | Document Uploaded. | 08/21/2025 | Documentation is sufficient. Income documentation provided. Exception resolved.; Income and Employment Meet Guidelines | 08/22/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C |
| 6503718 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/08/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation Required Per Compliance Summary Initial Closing Disclosure dated XX/XX/XXXX is missing from the file This loan failed the initial closing disclosure delivery date test due to one of the following findings:[[(12 CFR ##_XXX_##(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 XXX 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 XXX 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 XXX 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 XXX business days before consummation. | Document Uploaded. uploaded | 08/12/2025 | Initial CD received; exception resolved; Initial CD received; exception resolved | 08/13/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C |
| 6503718 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/08/2025 | Resolved | FCRE3653 | Credit | Missing letter of explanation | Letter of Explanation for Cash Out does not State that no new debt will be obtained as a result of the cash out. Required per lender final approval. | Document Uploaded. | 08/12/2025 | Documentation is sufficient. LOE provided. Exception resolved. | 08/13/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C |
| 6503718 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A C |
| 6503712 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/11/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation Required: missing Initial Closing Disclosure This loan failed the initial closing disclosure delivery date test due to one of the following findings:[[ §1026.19(e)]] 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 XXX 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 XXX 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 XXX 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 XXX business days before consummation. | Document Uploaded. ; Document Uploaded. | 08/13/2025 | initial CD receipt date provided; exception resolved; initial CD receipt date provided; exception resolved; Initial CD provided did not have a signature or receipt date and the compliance summary was not found in file. please provide the receipt date for the CD, the CD wasnt received timely using the mailbox rule | 08/15/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6503712 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/09/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation Required Missing eSigned documents date on or prior to XX/XX/XXXX. | Document Uploaded. | 08/12/2025 | Evidence of eConsent is provided. | 08/13/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6503712 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/08/2025 | Resolved | FCRE1180 | Credit | HO-6 Insurance Policy is Missing | HO-6 Insurance Policy is Missing Valid. | Document Uploaded. | 08/12/2025 | Documentation is sufficient. Policy provided walls in coverage. Exception resolved.; HO-6 Insurance Policy is fully present; HO-6 Insurance Policy is Missing | 08/13/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6503712 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/08/2025 | Resolved | FCRE1173 | Credit | HO6 Master Insurance Policy is Missing | Missing HO-6 Master Insurance Policy Missing HO-6 Master Insurance Policy | Document Uploaded. | 08/12/2025 | Documentation is sufficient. Policy provided. Exception resolved.; HO-6 Master Insurance Policy is fully present | 08/13/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6503712 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/08/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Non-borrowing spouse did not sign the Deed of Trust. Required per lender final approval. | Document Uploaded. | 08/12/2025 | Documentation is sufficient. Updated Approval provided. Exception resolved.; Property Title Issue Resolved | 08/13/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6503712 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/08/2025 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing Title Document is missing | Document Uploaded. | 08/12/2025 | Documentation is sufficient. Prelim provided. Exception resolved.; Title Document is fully Present | 08/13/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6503712 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/08/2025 | Resolved | FCRE9785 | Credit | XXX Contract is Incomplete | Loan Purpose is XXX but XXX Contract Doc is Incomplete Missing executed XXX Contract. Only document in file is the XXX Price Addendum. | Document Uploaded. | 08/12/2025 | Documentation is sufficient. Contract provided. Exception resolved.; XXX Contract Doc is complete. | 08/13/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6503712 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/08/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Appraisal is Missing. | Document Uploaded. | 08/12/2025 | Documentation is sufficient. Appraisal provided. Exception resolved.; Appraisal is Present or is Waived | 08/13/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6503657 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/11/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Guidelines require an attestation from the CPA/EA/PTIN/CTEC stating they are not related to the borrower or XXX with the borrower or borrower's business. The required attestation is missing from the Enrolled Agent's letter. | Document Uploaded. | 08/19/2025 | Received updated CPA letter XXX no relationship. Exception Resolved. | 08/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 6503657 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/12/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 6503657 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/12/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 6503711 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/11/2025 | Resolved | FCRE1151 | Credit | Satisfactory Chain of Title not Provided | Unsatisfactory Chain of Title provided The vesting is per QC deed completed in XXX; a minimum XXX-month chain-of-title is required. | Document Uploaded. The title commitment references this on Schedule C, Item XXX and attached. All deeds were originally attached to the Prelim in the ship file. | 08/19/2025 | Satisfactory Chain of Title has been provided - Exception Resolved. | 08/19/2025 | 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 A |
| 6503711 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/11/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The following is missing for the simultaneous refinances on XXX XXX and XXX XXX: fully-executed note, mortgage, and final CD. | Document Uploaded. | 08/13/2025 | Documentation is sufficient. Note, Mortgage and CD for properties provided. Exception resolved. | 08/14/2025 | 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 A |
| 6503711 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/12/2025 | 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 A |
| 6503711 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/12/2025 | 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 A |
| 6503767 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/14/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Audit was unable to use funds from #XXX as it is a joint bank account and the file is missing a XXX% access relationship letter. | Document Uploaded. | 08/21/2025 | Documentation is sufficient. Access letter provided. Exception resolved.; Asset Qualification Meets Guideline Requirements | 08/22/2025 | C A |
| 6503767 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational; Informational; Informational | 08/14/2025 | C A |
| 6503767 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational; Informational; Informational | 08/14/2025 | C A |
| 6503778 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/13/2025 | Resolved | FCRE7347 | Credit | Missing Lease Agreement | The fully-executed lease agreement for the XX/XX/XXXX term is required (unsigned document received). | Document Uploaded. This was in the file. | 08/15/2025 | Documentation is sufficient. Signed lease agreement provided. Exception resolved. | 08/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6503778 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational; Informational; Informational | 08/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6503778 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational; Informational; Informational | 08/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6503624 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/13/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing documentation to verify property tax, insurance and HOA Dues listed on the Final 1003 for $XXX/m for the property located at XXX XXX | Document Uploaded. | 08/15/2025 | Documentation is sufficient. Mortgage Statement and LOE provided. Exception resolved. | 08/18/2025 | 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% A |
| 6503624 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational; Informational; Informational | 08/14/2025 | 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% A |
| 6503624 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/14/2025 | 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% A |
| 6503656 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/14/2025 | Rescinded | finding-3800 | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | NON QM This loan has points and fees that exceed the points and fees threshold. (XXX CFR 1026.43(e)(3) he loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. | Document Uploaded. Compliance has passed points and fees test. | 08/19/2025 | Originated non QM | 08/19/2025 | C A |
| 6503656 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/14/2025 | Resolved | finding-3634 | Compliance | 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 §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). TILA 130B Cure Required, refund in the amount of XXX Cure requires PCCD, LOE, copy of refund check, proof of delivery or valid coc. The transfer taxes and discount points increased but the file did not contain the date of loan amount increase to determine the validity of the increases | Document Uploaded. | 08/15/2025 | Valid COC and applicable Cd provided; Exception resolved; Valid COC and applicable Cd provided; Exception resolved | 08/16/2025 | 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% A |
| 6503656 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational; Informational; Informational | 08/14/2025 | 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% A |
| 6503656 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational; Informational; Informational | 08/14/2025 | 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% A |
| 6503616 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/13/2025 | Rescinded | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% Per matrix, the maximum LTV/CLTV/HCLTV for a rural property is XXX% Provide approved exception. | A property must meet all XXX markers to be considered rural, per GL's. More than XXX% of the surrounding area is developed, Neighborhood is XXX%-XXX%; this property is not considered rural. | 08/15/2025 | Documentation is sufficient. Property does not meet Rural designation. Exception rescinded. | 08/18/2025 | A |
| 6503616 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/13/2025 | Rescinded | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Per matrix, the maximum LTV/CLTV/HCLTV for a rural property is XXX% Provide approved exception. | A property must meet all XXX markers to be considered rural, per GL's. More than XXX% of the surrounding area is developed, Neighborhood is XXX%-XXX%; this property is not considered rural. | 08/15/2025 | Documentation is sufficient. Property does not meet Rural designation. Exception rescinded. | 08/18/2025 | A |
| 6503616 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/13/2025 | Rescinded | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Per matrix, the maximum LTV/CLTV/HCLTV for a rural property is XXX% Provide approved exception. | A property must meet all XXX markers to be considered rural, per GL's. More than XXX% of the surrounding area is developed, Neighborhood is XXX%-XXX%; this property is not considered rural. | 08/15/2025 | Documentation is sufficient. Property does not meet Rural designation. Exception rescinded. | 08/18/2025 | A |
| 6503616 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational; Informational; Informational | 08/14/2025 | 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 A |
| 6503616 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/14/2025 | 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 A |
| 6503651 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/13/2025 | Resolved | FCOM1223 | Credit | The Deed of Trust is Not Executed | The Deed of Trust is Not Executed Deed of Trust in file is not signed/dated or notarized. | Document Uploaded. | 08/15/2025 | Documentation is sufficient. Updated Deed of Trust provided. Exception resolved.; The Deed of Trust is Executed | 08/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6503651 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational; Informational; Informational | 08/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6503651 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6503728 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/13/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Missing page XXX of the XXX rider and page XXX of the Prepayment Rider. | Document Uploaded. | 08/15/2025 | Documentation is sufficient. Updated Rider information provided. Exception resolved.; The Deed of Trust is Present and Complete | 08/18/2025 | D A |
| 6503728 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational; Informational; Informational | 08/14/2025 | D A |
| 6503728 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational; Informational; Informational | 08/14/2025 | D A |
| 6503724 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/13/2025 | Rescinded | FCRE7347 | Credit | Missing Lease Agreement | Confirmation of receipt/deposit for the XXX security deposit is required per guidelines. | This lease is from XXX XXX it is not new, this is not required. Appraisal references the lease tenant. | 08/15/2025 | Documentation is sufficient. Current lease in place. Exception rescinded. | 08/18/2025 | A |
| 6503724 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational; Informational; Informational | 08/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6503724 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational; Informational; Informational | 08/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6503757 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/14/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% Exception form in loan file cash out requirements greater than XXX cash proceeds in hand limited at XXX% but matrix limits the cash out over XXX at XXX% Exception form needs to be updated to Cash out over XXX% rather than XXX% | Document Uploaded. | 08/18/2025 | The guidelines State the max LTV for over XXX cash out is XXX% The subject transaction is at XXX% exceeding the guideline maximum. However, a credit exception was approved for the higher CLTV citing compensating factors of XXX credit history/minimal use of consumer credit, excessive reserves and mortgages paid on time for over XXX months. Acknowledged and downgraded. | 08/19/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A |
| 6503757 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informantional | 08/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A |
| 6503757 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informantional | 08/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A |
| 6503615 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/14/2025 | Resolved | FCRE1325 | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing Missing documentation that borrower owns XXX% of XXX. | Document Uploaded. This is an overreach. Original Articles of Organization provided with this one - we have everything we need in the file. CPA letter not necessary since we validated directly with the State | 08/19/2025 | Borrower 1 CPA Letter Not Required - Received lender rebuttal that the XXX% ownership was verified through the State and XXX narrative. Which it was, therefore a CPA letter is not required. Exception Resovled. | 08/19/2025 | 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 A |
| 6503615 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement 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 §1026.35, some lenders and secondary market XXX 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 guidelines; therefore, downgraded to A. | 08/15/2025 | 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 A |
| 6503615 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informantional | 08/15/2025 | 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 A |
| 6503693 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/14/2025 | Resolved | FCRE1347 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing - Missing verification of business existence required by guidelines for borrower's XXX businesses used to qualify the loan - XXX | Document Uploaded. | 08/18/2025 | Documentation is sufficient. Using rental income only. Exception resolved.; Borrower 2 3rd Party VOE Prior to Close Was Provided or XXX (Number of Borrowers equals XXX) | 08/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| 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 A |
| 6503693 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/14/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing - Missing verification of business existence required by guidelines for borrower's XXX businesses used to qualify the loan - XXX | uw did not use business income.; Document Uploaded. UW did not use business income. | 08/18/2025 | Documentation is sufficient. Using rental income only. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | 08/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| 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 A |
| 6503693 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informantional | 08/15/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| 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 A |
| 6503693 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informantional | 08/15/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| 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 A |
| 6503655 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/14/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: [[(12 CFR ##_XXX_##(ii))]] The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven 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 loan estimate delivery date is less than four 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 loan estimate receipt date is provided and the revised loan estimate receipt date is less than four 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 loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version XXX business days after the creditor delivers or places such version in the mail. Documentation Required missing proof borrower received Loan Estimate at least XXX days prior to consummation | Document Uploaded. | 08/18/2025 | Revised LE receipt date provided; Exception resolved; Revised LE receipt date provided; Exception resolved | 08/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| 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. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6503655 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informantional | 08/15/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6503655 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informantional | 08/15/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6503709 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/14/2025 | Resolved | FCRE1345 | Credit | Borrower 1 Lease Agreements Missing | Borrower 1 Lease Agreements Missing Lease Agreement reflecting monthly rent of XXX was present in the loan file. Guidelines State If positive rents are used as qualifying income, documentation verifying receipt of rental income is required, supported by proof of at least one current month's rent receipt. Positive rental income was calculated using income of $XXX. Proof of receipt of XXX rental income was missing from the loan file. | Document Uploaded. - per CHM UW: Proof of receipt of security deposit & 1st months rent is notated on the bank Statement; Document Uploaded. this is an over reach- this is not a new lease, proof of payment not required. | 08/22/2025 | Documentation is sufficient. Rental income documentation provided. Exception resolved.; Borrower 1 Lease Agreements Provided; This is not an over reach. Guidelines specifically State when rental income is used and the property is not the subject property, documentation verifying receipt of rental income if positive rents are used to qualify, and must be supported with proof of at least one current month's rent receipt. Exception remains. | 08/25/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| 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 D A |
| 6503709 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/14/2025 | Resolved | FCRE1328 | Credit | Borrower 1 W2/1099 Missing | Borrower 1 W2/XXX Missing. Guidelines require a recent W-2 for income verification. A XXX W-2 for B1 is missing from the loan file. | Document Uploaded. This was in the file. | 08/18/2025 | Documentation is sufficient. Income documentation provided. Exception resolved.; Borrower 1 W2/XXX Provided | 08/25/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| 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 D A |
| 6503709 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informantional | 08/15/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| 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 D A |
| 6503709 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informantional | 08/15/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| 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 D A |
| 6503632 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/14/2025 | Resolved | FCRE1173 | Credit | HO6 Master Insurance Policy is Missing | Missing HO-6 Master Insurance Policy | Document Uploaded. We have full coverage of the property. | 08/18/2025 | Documentation is sufficient. Policy provided has XXX coverage. Exception resolved.; HO-6 Master Insurance Policy is fully present | 08/19/2025 | 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. A |
| 6503632 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/14/2025 | Resolved | FCRE8611 | Credit | Income/Employment General | - Some portions of the bank Statements for XXX XXX to XXX XXX are illegible. Unable to reconcile the deposits for the following dates: XX/XX/XXXX; XX/XX/XXXX; XX/XX/XXXX; XX/XX/XXXX; XX/XX/XXXX; XX/XX/XXXX; XX/XX/XXXX; XX/XX/XXXX; XX/XX/XXXX | Document Uploaded. | 08/18/2025 | Documentation is sufficient. Updated worksheet and transaction log provided. Exception resolved. | 08/19/2025 | 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. A |
| 6503632 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informantional | 08/15/2025 | 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. A |
| 6503632 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informantional | 08/15/2025 | 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. A |
| 6503699 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required to clear exception. Consummation date is XX/XX/XXXX, however the earliest CD found in the file is dated XX/XX/XXXX, which is less than XXX business days prior to consummation. Missing the initial CD dated XX/XX/XXXX, reflected in the Compliance Summary (pg. XXX) that was provided XXX business days prior to consummation. Additional testing will be completed, once the initial CD is received, along with any corresponding Changed Circumstances forms. This loan failed the initial closing disclosure delivery date test due to one of the following findings:[[CLTV of XXX%]] 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 XXX 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 XXX 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 XXX 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 XXX business days before consummation. | Document Uploaded. | 08/18/2025 | Initial Cd received; Exception resolved; Initial Cd received; Exception resolved | 08/18/2025 | 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 A |
| 6503699 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | finding-3352 | Compliance | 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 inCLTV of XXX% §1026.35, some lenders and secondary market XXX 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 guidelines; therefore, downgraded to A. | 08/18/2025 | 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 A |
| 6503699 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informantional | 08/15/2025 | 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 A |
| 6503699 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informantional | 08/15/2025 | 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 A |
| 6503758 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6503758 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6503758 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6503751 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/18/2025 | 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 XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6503751 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/18/2025 | 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 XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6503751 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/18/2025 | 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 XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6503669 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/18/2025 | 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. A |
| 6503669 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/18/2025 | 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. A |
| 6503669 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/18/2025 | 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. A |
| 6503752 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6503752 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6503752 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6503633 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/18/2025 | 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. A |
| 6503633 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/18/2025 | 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. A |
| 6503633 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/18/2025 | 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. A |
| 6503742 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/18/2025 | A |
| 6503742 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/18/2025 | A |
| 6503742 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/18/2025 | A |
| 6503755 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6503755 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6503755 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6503658 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/16/2025 | Resolved | finding-3634 | Compliance | 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 CLTV 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 PCCD, LOE, copy of refund check, proof of delivery. Broker fee increase per the COC was XX/XX/XXXX however a CD was not provided within XXX days of the COC in file | Document Uploaded. Sorry about that! Attached. ; Document Uploaded. clerical error - please see disclosure tracking indicating the revised was sent on XX/XX/XXXX | 08/21/2025 | Valid COC and applicable CD provided; Exception resolved; Valid COC and applicable CD provided; Exception resolved; The file does not contain a copy of the revised CD dated XX/XX/XXXX; provide a copy of that CD to resolve | 08/23/2025 | 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 A |
| 6503658 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/18/2025 | 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 A |
| 6503658 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/18/2025 | 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 A |
| 6503775 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6503775 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6503775 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6503635 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6503635 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6503635 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6503627 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/18/2025 | 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. A |
| 6503627 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/18/2025 | 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. A |
| 6503627 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/18/2025 | 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. A |
| 6503646 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/16/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement 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 inCLTV of XXX% §1026.35, some lenders and secondary market XXX 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 guidelines; therefore, downgraded to A. | 08/18/2025 | 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 A |
| 6503646 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/18/2025 | 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 A |
| 6503646 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/18/2025 | 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 A |
| 6503664 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6503664 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6503664 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6503791 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6503791 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6503791 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6503629 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Infomational | 08/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| 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 XX/XX/XXXX years on job. A |
| 6503629 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Infomational | 08/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| 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 XX/XX/XXXX years on job. A |
| 6503629 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Infomational | 08/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| 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 XX/XX/XXXX years on job. A |
| 6503665 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Infomational | 08/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6503665 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Infomational | 08/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6503665 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Infomational | 08/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6503738 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Missing XXX months rent loss insurance, as required by guidelines. | Document Uploaded. | 08/21/2025 | Documentation is sufficient. LOE provided. Coverage is acceptable. Exception resolved.; Rent Loss Coverage Present | 08/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6503738 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Infomational | 08/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6503738 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Infomational | 08/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6503690 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Infomational | 08/19/2025 | 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 A |
| 6503690 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Infomational | 08/19/2025 | 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 A |
| 6503690 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Infomational | 08/19/2025 | 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 A |
| 6503652 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Infomational | 08/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. A |
| 6503652 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Infomational | 08/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. A |
| 6503652 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Infomational | 08/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. A |
| 6503704 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Rescinded | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing 3rd party verification of employment from XXX and XXX within XXX days of the supporting the employment information listed on the URLA. | Document Uploaded. | 08/21/2025 | Documentation is sufficient. Verification in file is acceptable. Exception rescinded.; Income and Employment Meet Guidelines | 08/22/2025 | A |
| 6503704 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Infomational | 08/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6503704 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Infomational | 08/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6503684 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FCRE1468 | Credit | Asset 2 Missing | Missing asset Statement in the amount of XXX used in the Asset Depletion calculation. The most recent one month account Statement is needed for this account. | Document Uploaded. | 08/21/2025 | Documentation is sufficient. Asset removed from calculations. Exception resolved. | 08/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 6503684 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Infomational | 08/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 6503684 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Infomational | 08/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 6503684 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% The CLTV is greater than XXX% and per guidelines this is considered an ineligible CLTV. However, the loan file contains a lender approved exception allowing loan to proceed even though CLTV does not meet guidelines. The lender identified the following compensating factors to justify the exception: XXX credit history/minimal use of consumer credit, Excessive Reserves, Low DTI, and Significant residual income. |  |  | Downgraded to level 2/B as lender exception in loan file.;. | 08/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 6503684 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% The HLTV is greater than XXX% and per guidelines this is considered an ineligible HLTV. However, the loan file contains a lender approved exception allowing loan to proceed even though HLTV does not meet guidelines. The lender identified the following compensating factors to justify the exception: XXX credit history/minimal use of consumer credit, Excessive Reserves, Low DTI, and Significant residual income. |  |  | Downgraded to level 2/B as lender exception in loan file.;. | 08/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 6503684 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% The HLTV is greater than XXX% and per guidelines this is considered an ineligible HLTV. However, the loan file contains a lender approved exception allowing loan to proceed even though HLTV does not meet guidelines. The lender identified the following compensating factors to justify the exception: XXX credit history/minimal use of consumer credit, Excessive Reserves, Low DTI, and Significant residual income. |  |  | Downgraded to level 2/B as lender exception in loan file.;. | 08/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 6503684 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Acknowledged | FCRE1492 | Credit | Cash Out Does Not Meet Guideline Requirements | Cash Out Does Not Meet Guideline Requirements The borrower received more than XXX of cash back at closing. Per guidelines a LTV greater than XXX% is not allowed unlimited cash out. However, the loan file contains a lender approved exception allowing loan to proceed even though the amount of cash out does not meet guidelines. The lender identified the following compensating factors to justify the exception; XXX credit history/minimal use of consumer credit, Excessive Reserves, Low DTI, and Significant residual income. |  |  | Downgraded to level 2/B as lender exception in loan file. | 08/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 6503659 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/19/2025 | Resolved | finding-3352 | Compliance | 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 §2948.5) §1026.35, some lenders and secondary market XXX 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 is compliant and allowed per lender guidelines; therefore, downgraded to A. | 08/19/2025 | 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. A |
| 6503659 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Infomational | 08/19/2025 | 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. A |
| 6503659 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Infomational | 08/19/2025 | 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. A |
| 6503715 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FCRE1161 | Credit | Flood Certificate Missing | Missing Flood Certificate Provide missing flood certificate for subject property. | Document Uploaded. | 08/20/2025 | Documentation is sufficient. Flood Certificate provided. Exception resolved.; Flood Certificate is fully present | 08/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| 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 XX/XX/XXXX years on job. A |
| 6503715 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Infomational | 08/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| 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 XX/XX/XXXX years on job. A |
| 6503715 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Infomational | 08/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| 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 XX/XX/XXXX years on job. A |
| 6503681 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Infomational | 08/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6503681 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Infomational | 08/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6503681 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Infomational | 08/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6503762 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Infomational | 08/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6503762 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Infomational | 08/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6503762 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Infomational | 08/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6503634 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Infomational | 08/19/2025 | 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. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6503634 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Infomational | 08/19/2025 | 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. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6503634 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Infomational | 08/19/2025 | 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. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6503741 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Infomational | 08/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6503741 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Infomational | 08/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6503741 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Infomational | 08/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6503740 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Infomational | 08/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6503740 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Infomational | 08/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6503740 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Infomational | 08/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6503683 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Infomational | 08/19/2025 | 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 A |
| 6503683 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Infomational | 08/19/2025 | 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 A |
| 6503683 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Infomational | 08/19/2025 | 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 A |
| 6503631 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Infomational | 08/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV 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. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6503631 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Infomational | 08/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6503631 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Infomational | 08/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6503642 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Infomational | 08/19/2025 | 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 A |
| 6503642 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Infomational | 08/19/2025 | 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 A |
| 6503642 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Infomational | 08/19/2025 | 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 A |
| 6503641 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Infomational | 08/19/2025 | 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. A |
| 6503641 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Infomational | 08/19/2025 | 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. A |
| 6503641 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Infomational | 08/19/2025 | 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. A |
| 6503621 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines - Missing XXX year P&L dated within XXX days of closing. End date of the P&L was XX/XX/XXXX and the was XX/XX/XXXX - guidelines require P&L end date must be less than XXX days old at closing. | Document Uploaded. | 08/25/2025 | Documentation is sufficient. Updated P & L provided. Exception resolved.; Income and Employment Meet Guidelines | 08/26/2025 | 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 XX/XX/XXXX years on job. A |
| 6503621 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/18/2025 | 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 XX/XX/XXXX years on job. A |
| 6503621 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/18/2025 | 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 XX/XX/XXXX years on job. A |
| 6503700 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The Final CD for the borrower's other new XXX loan #'s XXX; XXX located at XXX XXX, and XXX missing. DTI is subject to recalculation once docs are received. | Document Uploaded. | 08/25/2025 | Documentation is sufficient. Final CD provided. Exception resolved. | 08/26/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% D A |
| 6503700 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FCOM1207 | Compliance | The Note is Not Executed | The Note is Not Executed | Document Uploaded. | 08/20/2025 | Documentation is sufficient. Updated note provided. Exception resolved.; The Note is Executed | 08/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% D A |
| 6503700 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Infomational | 08/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% D A |
| 6503675 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The fully-executed final CD for XXX XXX is missing. | Document Uploaded. | 08/25/2025 | Documentation is sufficient. Final CD provided. Exception resolved. | 08/26/2025 | 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. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% D A |
| 6503675 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FCOM1208 | Credit | The Note is Incomplete | The Note is Incomplete The prepayment addendum to note isn't signed; provide fully-executed copy for review. | Document Uploaded. | 08/20/2025 | Documentation is sufficient. Updated Rider provided. Exception resolved.; The Note is Present | 08/21/2025 | 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. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% D A |
| 6503675 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Infomational | 08/19/2025 | 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. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% D A |
| 6503675 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Infomational | 08/19/2025 | 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. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% D A |
| 6503613 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/11/2025 | Resolved | FCRE7495 | Credit | Verification of Borrower Liabilities Missing or Incomplete | Refinance HUD-XXX for REO, XXX., reflects a mortgage with XXX. Required terms of repayment reflecting PITIA is missing from the loan file. Final 1003 is also MISSING MORTGAGE Lender and PITIA data. In addition, Final 1003 indicates REO, XXX XXX., is sold. Refinance HUD-XXX, XXX XXX., reflects B1 is the borrower with a mortgage loan from XXX. Required terms of repayment reflecting PITIA is missing from the loan file. Also, an executed, corrected Final 1003 reflecting current status and PITIA data for REO's XXX XXX. is required. | Document Uploaded. Mtg stmts with PITI for XXX and XXX uploaded to file manager along with a new 1003 with correct PITI / rent loss and XXX with slightly increased DTI | 08/27/2025 | Documentation is sufficient. Updated XXX 1003 and Mortgage Statements provided. Exception resolved. | 08/28/2025 | 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. A |
| 6503613 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/11/2025 | Resolved | finding-2261 | Compliance | NC Rate Spread Home Loan Test | This loan failed the XXX rate spread home loan test. (XXX GS §XXX-11F(a)(XXX) he loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market XXX may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 08/12/2025 | 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. A |
| 6503613 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/11/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement 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 §2948.5) §1026.35, some lenders and secondary market XXX 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 guidelines; therefore, downgraded to A. | 08/12/2025 | 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. A |
| 6503613 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/12/2025 | 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. A |
| 6503650 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FCOM1208 | Credit | The Note is Incomplete | The Note is Incomplete Loan closed in a trust, the borrowers signature lines do not reflect the correct signature/wording for a loan closing in a trust. There is another note in file with the correct signing signature lines, but it's not signed by the borrowers. | Document Uploaded. | 08/28/2025 | Documentation is sufficient. Updated Note provided. Exception resolved.; The Note is Present | 08/29/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| 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 A |
| 6503650 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Loan closed in a trust, the borrowers signature lines do not reflect the correct signature/wording for a loan closing in a trust. | Document Uploaded. | 08/28/2025 | Documentation is sufficient. Updated Deed of Trust provided. Exception resolved.; The Deed of Trust is Present and Complete | 08/29/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| 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 A |
| 6503650 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/18/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| 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 A |
| 6503650 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/18/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| 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 A |
| 6503706 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FCRE7495 | Credit | Verification of Borrower Liabilities Missing or Incomplete | Required documentation validating PITIA payments from XXX for REO's, XXX XXX and XXX., are missing from the loan file and documentation validating monthly hazard insurance premiums for REO's, XXX. and XXX., are missing from the loan file. | Document Uploaded. ; Document Uploaded. | 08/26/2025 | Documentation is sufficient. Hazard policies provided. Exception resolved.; Still missing the documentation for the Hazard premium amount for XXX XXX. Exception remains. | 08/27/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A |
| 6503706 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Infomational | 08/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A |
| 6503706 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Infomational | 08/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A |
| 6573315 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/17/2025 | Acknowledged | FVAL5524 | Property | Ineligible Property | The subject property exceeds the maximum acres allowed per guidelines. Guidelines max is XXX acres, subject right at XXX acres. However, the loan file contains a Lender Approved Exception grated approval of property exceeding max XXX acres. The lender identified the following compensating factors to justify approval; Borrower has excessive reserves, excessive DSCR factor and Borrower has XXX in XXX assets not being utilized for closing. Exception downgraded to level 2/B. | Please advise what is need to remove the Curative Task reporting? | 09/19/2025 | The subject property exceeds the maximum acres allowed per guidelines. Guideline max is XXX acres, subject at XXX acres. However, the loan file contains a Lender Approved Exception for the property exceeding the max of XXX acres. The Lender identified the following compensating factors to justify the approval; Borrower has excessive reserves, excessive DSCR factor and Borrower has XXX in XXX assets not being utilized for closing. Exception acknowledged downgraded.; | 09/22/2025 | C B A |
| 6573315 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/18/2025 | C B A |
| 6573315 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/18/2025 | C B A |
| 6573274 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/08/2025 | 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. A |
| 6573274 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/08/2025 | 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. A |
| 6573274 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/08/2025 | 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. A |
| 6573276 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6573276 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6573276 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6573289 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/17/2025 | 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. A |
| 6573289 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | 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. A |
| 6573289 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | 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. A |
| 6573304 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| 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 XXX% is less than Guideline CLTV of XXX% A |
| 6573304 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| 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 XXX% is less than Guideline CLTV of XXX% A |
| 6573304 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| 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 XXX% is less than Guideline CLTV of XXX% A |
| 6573307 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV 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 A |
| 6573307 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 A |
| 6573307 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 A |
| 6573309 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573309 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573309 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/17/2025 | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573320 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/17/2025 | A |
| 6573320 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | A |
| 6573320 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | A |
| 6573324 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/17/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6573324 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6573324 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6573338 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573338 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573338 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573344 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/17/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573344 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573344 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573350 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573350 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573350 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573351 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCOM1544 | Compliance | TRID: Missing Closing Disclosure | The Final CD is missing TRID: Missing Final Closing Disclosure | Document Uploaded. | 10/21/2025 | TRID: Final Closing Disclosure Provided | 10/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of 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% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6573351 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCRE1158 | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided Final lender approval and XXX reflect Other insurance in the amount of XXX per month. Audit was only able to locate the flood insurance which has a monthly payment of $XXX. Therefore, the loan file is missing the document for XXX per month for other insurance. HO6 insurance is in file and accounted for separately. | Document Uploaded. | 10/20/2025 | Documentation is sufficient. Updated 1008 and 1003 provided. Exception resolved.; Hazard Insurance Policy is fully present | 10/21/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 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% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6573351 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 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% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6573354 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). - Per guidelines, required dwelling coverage allowed is XXX% of Insurable value, XXX% of Total Estimate of Cost-New on Appraisal report or Unpaid principal balance. Audit entered Total Estimate of Cost-New as required dwelling coverage since it is lower than the loan amount. No Replacement cost estimate in file. | Document Uploaded. ; Document Uploaded. As of XXX XXX XXX amended the XXX General Statutes to explicitly prohibit insurance companies or their agents from providing RCEs to third parties | 10/21/2025 | Documentation is sufficient. RCE breakdown provided. Exception resolved.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 10/22/2025 | C A |
| 6573354 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | C A |
| 6573354 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/17/2025 | C A |
| 6573364 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573364 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573364 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573366 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCRE1159 | Credit | 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. | Document Uploaded. | 10/20/2025 | Documentation is sufficient. Updated CD provided. Exception resolved.; 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 Not Provided. | 10/21/2025 | 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 A |
| 6573366 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | finding-3352 | Compliance | 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 §2948.5) §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met |  |  | Informational | 10/17/2025 | 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 A |
| 6573366 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | 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 A |
| 6573377 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | A |
| 6573377 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | A |
| 6573377 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/17/2025 | A |
| 6573432 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | A |
| 6573432 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/17/2025 | A |
| 6573432 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | A |
| 6573457 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | 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% A |
| 6573457 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | 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% A |
| 6573457 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/17/2025 | 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% A |
| 6573279 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6573279 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6573279 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6573283 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Acknowledged | FPRO1245 | Property | Appraisal is Expired | Primary Value Appraisal is Expired XX/XX/XXXX and loan closed on XX/XX/XXXX. However, a lender approved exception is in the loan file, allow the use of the Appraisal Re-cert 1004D on a construction loan, which is dated XX/XX/XXXX. The lender identified the following compensating factors to justify the approval; XXX credit history, minimal use of consumer credit, low LTV and excessive assets. Exception downgraded to a level 2/B. | Please rescind. | 10/21/2025 | The Appraisal expired XX/XX/XXXX and the closing date is XX/XX/XXXX. However, a Lender exception was approved to allow the Appraisal Re-Cert 1004D on a construction loan dated XX/XX/XXXX to be utilized, citing compensating factors of XXX credit history, minimal use of consumer credit, low LTV and excessive assets. Acknowledged and downgraded. | 10/22/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6573283 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/20/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6573283 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/20/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6573293 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/20/2025 | A |
| 6573293 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/20/2025 | A |
| 6573293 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/20/2025 | A |
| 6573297 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCRE1158 | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided Property has Fire and HOI policy payments. Fire policy does not list annual premium and HOI in file monthly amount XXX does not match final XXX monthly amount of $XXX. | Document Uploaded. | 10/21/2025 | Documentation is sufficient. Updated policy provided. Exception resolved.; Hazard Insurance Policy is fully present | 10/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6573297 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6573297 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6573298 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573298 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573298 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573305 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573305 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573305 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573308 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCRE6737 | Credit | Missing Letter of Explanation (Income) | Lender qualified borrower using business bank Statements and personal bank Statements, however, Business name on Final 1003 is 'XXX' compared to the CPA letter and Business Bank Statements reflecting 'XXX'. Missing documentation clarifying if the businesses are affiliated or updated Final 1003 if they are not or Verification of business existence if the personal bank Statements hold the business deposits for XXX. | Document Uploaded. | 10/21/2025 | Documentation is sufficient. Updated 1003 provided. Exception resolved. | 10/22/2025 | 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 XXX% is less than Guideline CLTV of XXX% \| 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 XXX% is less than Guideline CCLTV of XXX% A |
| 6573308 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/20/2025 | 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 CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6573308 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/20/2025 | 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 CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6573326 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/20/2025 | 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. A |
| 6573326 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/20/2025 | 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. A |
| 6573326 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/20/2025 | 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. A |
| 6573335 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6573335 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6573335 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6573340 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/20/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6573340 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/20/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6573340 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/20/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6573347 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/20/2025 | 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 XXX% is less than Guideline LTV 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 \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6573347 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/20/2025 | 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 XXX% is less than Guideline LTV 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 \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6573347 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/20/2025 | 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 XXX% is less than Guideline LTV 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 \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6573349 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6573349 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6573349 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6573400 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCRE1180 | Credit | HO-6 Insurance Policy is Missing | HO-6 Insurance Policy is MISSING MORTGAGEe clause with the loan number XXX | Document Uploaded. Mortgage clause lists loan number | 10/21/2025 | Documentation is sufficient. H06 policy provided. Exception resolved.; HO-6 Insurance Policy is fully present | 10/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6573400 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6573400 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6573406 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6573406 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6573406 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6573425 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/20/2025 | 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. A |
| 6573425 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/20/2025 | 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. A |
| 6573425 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/20/2025 | 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. A |
| 6573437 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6573437 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/20/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6573437 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/20/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6573462 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573462 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573462 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573277 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of 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% A |
| 6573277 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 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% A |
| 6573277 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 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% A |
| 6573299 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/21/2025 | A |
| 6573299 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/21/2025 | A |
| 6573299 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/21/2025 | A |
| 6573310 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/21/2025 | 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% A |
| 6573310 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/21/2025 | 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% A |
| 6573310 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/21/2025 | 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% A |
| 6573311 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/21/2025 | A |
| 6573311 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/21/2025 | A |
| 6573311 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/21/2025 | A |
| 6573314 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | Missing business entity formation documentation and EIN number to complete audit. | Document Uploaded. | 10/22/2025 | Documentation is sufficient. Business formation documents provided. Exception resolved. | 10/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6573314 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCOM4438 | Compliance | Final CD: Closing Date is missing or inaccurate | Missing fully executed Initial/Final Closing Disclosure, to verify funds to close and disbursement date. | Document Uploaded. | 10/22/2025 | Documentation is sufficient. Final CD provided. Exception resolved. | 10/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6573314 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Missing Business Purpose disclosure for Borrower 1 and Borrower 2. | Document Uploaded. | 10/22/2025 | Documentation is sufficient. Business Purpose document provided. Exception resolved.; Business Purpose Affidavit/Disclosure Provided | 10/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6573314 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Missing fully executed LLC Rider. | Document Uploaded. | 10/22/2025 | Documentation is sufficient. Rider provided. Exception resolved.; The Deed of Trust is Present and Complete | 10/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6573314 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing Missing Title commitment to complete audit. | Document Uploaded. | 10/22/2025 | Documentation is sufficient. Title Commitment provided. Exception resolved.; Title Document is fully Present | 10/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6573314 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing Desk Review, which is required on all loans. | Document Uploaded. | 10/22/2025 | Documentation is sufficient. Desk Review provided. Exception resolved.; Third party valuation product provided within tolerance. | 10/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6573314 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Including verification of third party market rent, form 1007 or documentation verify proposed rent on the subject property. | Document Uploaded. | 10/22/2025 | Documentation is sufficient. Appraisal provided. Exception resolved.; Appraisal is Present or is Waived | 10/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6573314 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCRE1157 | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy required on all loans. | Document Uploaded. | 10/22/2025 | Documentation is sufficient. Policy provided. Exception resolved.; Hazard Insurance Policy is fully present | 10/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6573314 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage - guideline requires XXX months rent loss coverage. | Document Uploaded. | 10/22/2025 | Documentation is sufficient. Rent loss coverage provided. Exception resolved.; Rent Loss Coverage Present | 10/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6573327 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/21/2025 | A |
| 6573327 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/21/2025 | A |
| 6573327 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/21/2025 | A |
| 6573332 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/21/2025 | A |
| 6573332 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/21/2025 | A |
| 6573332 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/21/2025 | A |
| 6573334 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Rescinded | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Missing sufficient assets to close loan and meet XXX month reserve requirement. Funds in the account #XXX are a business account which borrower is XXX% XXX of the business so only able to consider XXX% of the funds for qualifying. | Document Uploaded. UW calculated at XXX% per Income Calculator. Please clarify with your calculation. | 10/22/2025 | Documentation is sufficient. Assets are XXX. Exception rescinded.; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 10/23/2025 | C A |
| 6573334 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Missing sufficient assets to close loan and meet XXX month reserve requirement. Funds in the account #XXX are a business account which borrower is XXX% XXX of the business so only able to consider XXX% of the funds for qualifying. | Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Missing sufficient assets to close loan and meet XXX month reserve requirement. Funds in the account #XXX are a business account which borrower is XXX% XXX of the business so only able to consider XXX% of the funds for qualifying. |  | Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 10/23/2025 | 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. A |
| 6573334 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCRE0382 | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Missing acceptable sufficient assets to close the loan and meet the XXX month reserve requirement for multiple financed homes. The account #XXX is a business account which as documented the borrower is XXX% XXX so would only be able to consider XXX% of the balance for qualifying as indicated in guideline. |  |  | Funds are found to meet guidelines. | 10/23/2025 | 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. A |
| 6573334 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/21/2025 | 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. A |
| 6573334 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/21/2025 | 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. A |
| 6573336 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/21/2025 | 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. A |
| 6573336 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/21/2025 | 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. A |
| 6573336 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/21/2025 | 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. A |
| 6573346 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/21/2025 | 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% A |
| 6573346 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/21/2025 | 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% A |
| 6573346 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/21/2025 | 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% A |
| 6573369 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Missing pg XXX of XXX Rider. | Document Uploaded. | 10/22/2025 | Documentation is sufficient. Rider provided. Exception resolved.; The Deed of Trust is Present and Complete | 10/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| 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 D A |
| 6573369 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/21/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| 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 D A |
| 6573369 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/21/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| 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 D A |
| 6573385 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573385 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573385 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573386 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573386 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573386 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573387 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573387 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573387 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573388 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/21/2025 | 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% A |
| 6573388 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/21/2025 | 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% A |
| 6573388 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/21/2025 | 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% A |
| 6573401 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCRE9785 | Credit | XXX Contract is Incomplete | Loan Purpose is XXX but XXX Contract Doc is Incomplete The XXX and Underwriting Final Approval reflect an XXX% CLTV with a XXX price of, $XXX. The Amended XXX Agreement reflects a sales price of, $XXX. Documentation is required to validate a XXX price of, $XXX. | Document Uploaded. | 10/22/2025 | Documentation is sufficient. Addendum provided. Exception resolved.; XXX Contract Doc is complete. | 10/23/2025 | 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 XXX% is less than Guideline CLTV 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% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6573401 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/21/2025 | 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 XXX% is less than Guideline CLTV 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% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6573401 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/21/2025 | 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 XXX% is less than Guideline CLTV 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% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6573421 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCRE2900 | Credit | Borrower Non-US Citizen Identification Document Missing | Non XXX Borrower is missing Identification Document. Missing proof of XXX identification for Borrower 1. | Document Uploaded. | 10/22/2025 | Documentation is sufficient. Resident card provided. Exception resolved.; Borrower Identification Document provided. | 10/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 6573421 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/21/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 6573421 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/21/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 6573433 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/21/2025 | 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 XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6573433 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/21/2025 | 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 XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6573433 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/21/2025 | 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 XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6573444 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6573444 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/21/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6573444 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/21/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6573280 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/23/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6573280 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/23/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6573280 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/23/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6573288 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/22/2025 | 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. A |
| 6573288 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | 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. A |
| 6573288 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/22/2025 | 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. A |
| 6573312 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/22/2025 | A |
| 6573312 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/22/2025 | A |
| 6573312 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | A |
| 6573343 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573343 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573343 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573345 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/22/2025 | 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 A |
| 6573345 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | 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 A |
| 6573345 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/22/2025 | 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 A |
| 6573355 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/22/2025 | 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 XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV 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. A |
| 6573355 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/22/2025 | 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 XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV 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. A |
| 6573355 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | 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 XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV 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. A |
| 6573399 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573399 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573399 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573403 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6573403 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6573403 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6573417 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/22/2025 | A |
| 6573417 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | A |
| 6573417 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/22/2025 | A |
| 6573423 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/22/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6573423 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/22/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6573423 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6573440 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/22/2025 | A |
| 6573440 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/22/2025 | A |
| 6573440 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | A |
| 6573451 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6573451 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6573451 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6573456 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573456 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573456 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573465 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6573465 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6573465 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6573278 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| 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 A |
| 6573278 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| 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 A |
| 6573278 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| 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 A |
| 6573282 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573282 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/23/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573282 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/23/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573295 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/23/2025 | 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 A |
| 6573295 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/23/2025 | 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 A |
| 6573295 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/23/2025 | 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 A |
| 6573306 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6573306 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6573306 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6573316 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/23/2025 | A |
| 6573316 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/23/2025 | A |
| 6573316 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/23/2025 | A |
| 6573317 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/23/2025 | 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. A |
| 6573317 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/23/2025 | 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. A |
| 6573317 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/23/2025 | 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. A |
| 6573321 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/23/2025 | 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. A |
| 6573321 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/23/2025 | 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. A |
| 6573321 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/23/2025 | 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. A |
| 6573322 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| 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 XXX% is less than Guideline LTV of XXX% A |
| 6573322 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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 XXX% is less than Guideline LTV of XXX% A |
| 6573322 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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 XXX% is less than Guideline LTV of XXX% A |
| 6573323 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/23/2025 | A |
| 6573323 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/23/2025 | A |
| 6573323 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/23/2025 | A |
| 6573363 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573363 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573363 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573371 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | A |
| 6573371 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | A |
| 6573371 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | A |
| 6573372 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | finding-3352 | Compliance | 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 §2948.5) §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  |  |  | 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% A |
| 6573372 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | 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% A |
| 6573372 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | 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% A |
| 6573376 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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 XXX% is less than Guideline LTV of XXX% A |
| 6573376 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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 XXX% is less than Guideline LTV of XXX% A |
| 6573376 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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 XXX% is less than Guideline LTV of XXX% A |
| 6573384 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573384 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573384 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573389 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573389 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573389 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573395 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573395 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573395 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573396 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV 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. A |
| 6573396 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. A |
| 6573396 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. A |
| 6573397 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | 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% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573397 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FPRO8998 | Property | 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% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573397 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCRE8999 | Credit | 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% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573398 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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 XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6573398 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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 XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6573398 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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 XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6573405 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | finding-3352 | Compliance | 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 §2948.5) §1026.35, some lenders and secondary market XXX 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. A |
| 6573405 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6573405 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FPRO8998 | Property | 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. A |
| 6573435 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6573435 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6573435 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FPRO8998 | Property | 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. A |
| 6573448 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | A |
| 6573448 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | A |
| 6573448 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | A |
| 6573463 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573463 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573463 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573290 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| 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 XX/XX/XXXX years on job. A |
| 6573290 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| 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 XX/XX/XXXX years on job. A |
| 6573290 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| 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 XX/XX/XXXX years on job. A |
| 6573294 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6573294 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573294 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573296 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6573296 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573296 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573373 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FPRO1136 | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis Missing 1004D appraisal form. Appraisal was completed subject to repairs. | Document Uploaded. ; Document Uploaded. this was in the file. | 10/31/2025 | Documentation is sufficient. XXX attestation and pictures provided. Exception resolved.; A XXX Completion report is required to verify repairs were completed. Exception remains. | 10/31/2025 | D A C |
| 6573373 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCOM1208 | Credit | The Note is Incomplete | The Note is Incomplete Missing executed copy of Note. Page XXX of XXX is missing. | Document Uploaded. | 10/24/2025 | The Note is Present | 10/27/2025 | D A C |
| 6573373 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/21/2025 | D A C |
| 6573390 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCRE1157 | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy Missing evidence of hazard insurance coverage. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. This was in the file. ; Document Uploaded. | 10/31/2025 | Documentation is sufficient. Policy provided. Exception resolved.; Hazard Insurance Policy is fully present; Need the Dec page to verify coverage and limits. Exception remains.; Need the Dec page to verify coverage and limits. Exception remains.; Please provide the policy dec page showing limits of coverage. Exception remains. | 11/03/2025 | D A |
| 6573390 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Missing evidence of rent loss coverage - guideline requires XXX months coverage. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. This was already in the file. Fair rental Value.; Document Uploaded. | 10/31/2025 | Documentation is sufficient. Policy provided. Exception resolved.; Rent Loss Coverage Present; Rent loss is covered, but we need the Dec page to verify building coverage, etc. Exception remains.; Please provide the policy which shows the dec page with limits of coverage. Exception remains. | 11/03/2025 | D A |
| 6573390 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/27/2025 | D A |
| 6573390 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/27/2025 | D A |
| 6573454 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Missing page XXX | Document Uploaded. | 10/30/2025 | Documentation is sufficient. Updated Mortgage provided. Exception resolved.; The Deed of Trust is Present and Complete | 10/31/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6573454 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Rescinded | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Audit DTI is XXX%. Audit was only able to use the funds that could be withdrawn from his XXX with PCA Benefits which is XXX per document in file. Per lender guidelines assets must be liquid to qualify for utilization. | GL's State : If needed to close, verification that funds have been liquidated (if applicable) is required. Funds to close came from a verified account with. PCA Benefits were used for qualifying and reserves, only. This condition is an overreach. Please rescind. | 10/29/2025 | Documentation is sufficient. Assets are XXX. Exception rescinded.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Audited DTI of XXX% exceeds Guideline DTI of XXX% | 10/30/2025 | D A |
| 6573454 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6573454 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6573418 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCRE1146 | Credit | Title Document is Partially Present | Title Document is incomplete or only partially present. Missing fully executed LLC Operating Agreement for XXX - vesting was XXX which borrowers on subject transaction have ownership in. | Document Uploaded. | 10/30/2025 | Documentation is sufficient. Quit claim Deed provided. Exception resolved.; Title Document is fully Present. | 10/31/2025 | D A |
| 6573418 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | D A |
| 6573418 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | D A |
| 6573431 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing - required to be within XXX days of the. | Document Uploaded. uploaded | 10/31/2025 | Documentation is sufficient. Business Search is acceptable. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | 11/03/2025 | 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% A |
| 6573431 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | finding-3352 | Compliance | 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 §2948.5) §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | 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% A |
| 6573431 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | 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% A |
| 6573441 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCRE2501 | Credit | Personal Guaranty Agreement Incomplete | Personal Guaranty Incomplete. Missing pages of the Guaranty agreement covering bullet numbers XX/XX/XXXX. Only received the last XXX pages of the Guaranty agreement. All pages are required. | Document Uploaded. | 10/30/2025 | Documentation is sufficient. Personal Guaranty provided. Exception resolved.; Personal Guaranty provided. | 10/31/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 6573441 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 6573441 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 6573452 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Non-borrowing spouse middle name on page signature of the Mortgage and the Inter Vivos Revocable Trust Rider entered incorrectly as XXX rather than XXX. Non-borrowing middle name indicated on the drivers license is XXX. | Document Uploaded. | 10/30/2025 | Documentation is sufficient. Updated Mortgage provided. Exception resolved.; The Deed of Trust is Present and Complete | 10/31/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6573452 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6573452 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational ; Informational ; Informational | 10/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6573337 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing verification of HOA Dues for subject property, as the loan file contains an Appraisal reflecting XXX per month and a zestimate report of XXX per month, but lender utilized XXX per month. | Document Uploaded. | 11/03/2025 | Documentation is sufficient. HOA Statement provided. Exception resolved. | 11/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% D A |
| 6573337 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/17/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% D A |
| 6573337 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% D A |
| 6573402 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FPRO1136 | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis The appraisal reflects it was made 'Subject To' conditions reflected in the Addendum, stating subject to installation of working smoke and XXX monoxide detectors on the main floor and in the basement. No Update/Completion Form 1004D was located in the loan file. | Document Uploaded. | 11/03/2025 | Documentation is sufficient. Proof of repairs provided. Exception resolved.; Primary Value Subject Property Appraisal is completed on an As-Is Basis or XXX | 11/04/2025 | 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 XXX% is less than Guideline CLTV 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. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573402 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/22/2025 | 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 XXX% is less than Guideline CLTV 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. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573402 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/22/2025 | 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 XXX% is less than Guideline CLTV 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. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573358 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCOM1208 | Credit | The Note is Incomplete | The Note is Incomplete Missing fully executed Prepayment Addendum to the Note. | Document Uploaded. | 11/03/2025 | Documentation is sufficient. Rider provided. Exception resolved.; The Note is Present | 11/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% D A |
| 6573358 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 6573358 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 6573445 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCRE2501 | Credit | Personal Guaranty Agreement Incomplete | Personal Guaranty Incomplete. Only the signature page and the notary acknowledgement are in file. | Document Uploaded. | 11/03/2025 | Documentation is sufficient. Personal Guarantee provided. Exception resolved.; Personal Guaranty provided. | 11/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 6573445 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Title is missing XXX as the proposed insured. No instructions to escrow agent found in file. | Document Uploaded. | 10/30/2025 | Documentation is sufficient. Updated Title provided. Exception resolved.; Property Title Issue Resolved | 10/31/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 6573445 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 6573445 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 6573467 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Per G/L, XXX rental history required and is missing from file. | Document Uploaded. | 11/04/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 11/05/2025 | 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. A |
| 6573467 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | finding-3352 | Compliance | 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 §2948.5) §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met |  |  | Informational | 10/28/2025 | 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. A |
| 6573467 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/28/2025 | 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. A |
| 6539500 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/06/2025 | Resolved | FCRE1158 | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided Missing the expiration date of the Hazard insurance on the application/binder provided in file. | Document Uploaded. | 08/21/2025 | Documentation is sufficient. Updated policy provided. Exception resolved.; Hazard Insurance Policy is fully present | 08/22/2025 | 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 XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A |
| 6539500 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/07/2025 | 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 XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A |
| 6539500 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/07/2025 | 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 XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A |
| 6539517 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/02/2025 | A |
| 6539517 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/02/2025 | A |
| 6539517 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/02/2025 | A |
| 6539513 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/02/2025 | A |
| 6539513 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/02/2025 | A |
| 6539513 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/02/2025 | A |
| 6539535 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539535 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539535 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539550 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/15/2025 | Resolved | FCRE1481 | Credit | Asset 3 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Missing evidence that closing agent has received funds from XXX Exchange. Required per lender final approval. | Document Uploaded. | 09/17/2025 | Documentation is sufficient. XXX Exchange Closing Statement provided. Exception resolved.; Asset Record XXX Meets G/L Requirements Or XXX | 09/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539550 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539550 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539484 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/25/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539484 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/25/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539484 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/25/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539492 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/25/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6539492 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/25/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539492 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/25/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539494 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539494 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539494 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539515 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/25/2025 | 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. A |
| 6539515 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/25/2025 | 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. A |
| 6539515 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/25/2025 | 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. A |
| 6539525 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/25/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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 XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539525 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/25/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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 XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539525 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/25/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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 XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539531 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/25/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| 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 XXX% is less than Guideline CCLTV of XXX% A |
| 6539531 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/25/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6539531 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/25/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6539534 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/25/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539534 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/25/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539534 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/25/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539547 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/26/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6539547 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/26/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6539547 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/26/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6539548 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCOM1544 | Compliance | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure Missing page XXX of the final Closing Disclosure. | Document Uploaded. | 09/29/2025 | TRID: Final Closing Disclosure Provided | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6539548 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCOM1208 | Credit | The Note is Incomplete | The Note is Incomplete Missing page XXX of the Note. | Document Uploaded. | 09/26/2025 | Documentation is sufficient. Remainder of Note provided. Exception resolved.; The Note is Present | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6539548 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6539560 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539560 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539560 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539565 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/25/2025 | A |
| 6539565 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/25/2025 | A |
| 6539565 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/25/2025 | A |
| 6539566 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Missing page XXX of the XXX Rider. | Document Uploaded. | 09/29/2025 | Documentation is sufficient. Complete Deed of Trust and all Rider provided. Exception resolved.; The Deed of Trust is Present and Complete | 09/30/2025 | D A |
| 6539566 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/25/2025 | D A |
| 6539566 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/25/2025 | D A |
| 6539568 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6539568 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6539568 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6539573 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| 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 XXX% is less than Guideline CCLTV of XXX% A |
| 6539573 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6539573 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6539576 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/25/2025 | 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. A |
| 6539576 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/25/2025 | 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. A |
| 6539576 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/25/2025 | 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. A |
| 6539579 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/25/2025 | A |
| 6539579 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/25/2025 | A |
| 6539579 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/25/2025 | A |
| 6539597 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/25/2025 | 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. A |
| 6539597 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/25/2025 | 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. A |
| 6539597 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/25/2025 | 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. A |
| 6539600 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/25/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539600 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/25/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539600 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/25/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539605 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/25/2025 | 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 XXX% is less than Guideline CLTV of XXX% \| 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 XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6539605 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/25/2025 | 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 XXX% is less than Guideline CLTV of XXX% \| 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 XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6539605 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/25/2025 | 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 XXX% is less than Guideline CLTV of XXX% \| 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 XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6539625 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | finding-3716 | Compliance | XXX Per Diem Interest Amount Test | This loan failed the per diem interest amount test. (XXX Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan XXX exceeds the per diem interest charge or credit threshold ($XXX) LEASE NOTE: An additional XXX buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. The disbursement date is XX/XX/XXXX but the final CD shows interest started on XX/XX/XXXX; Provide the PCCD or FSS to review | Document Uploaded. | 09/29/2025 | PCCD provided; exception resolved; PCCD provided; exception resolved | 09/30/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6539625 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/26/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6539625 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/26/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6539626 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/26/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539626 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/26/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539626 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/26/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539651 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/26/2025 | 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 A |
| 6539651 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/26/2025 | 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 A |
| 6539651 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/26/2025 | 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 A |
| 6539489 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/26/2025 | 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 A |
| 6539489 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/26/2025 | 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 A |
| 6539489 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/26/2025 | 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 A |
| 6539505 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/26/2025 | 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% A |
| 6539505 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/26/2025 | 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% A |
| 6539505 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/26/2025 | 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% A |
| 6539512 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/26/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6539512 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/26/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6539512 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/26/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6539527 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/26/2025 | A |
| 6539527 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/26/2025 | A |
| 6539527 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/26/2025 | A |
| 6539533 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6539533 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/26/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| 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 \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6539533 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/26/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| 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 \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6539554 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Rescinded | FCRE1480 | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Missing XXX% access letter for #XXX as his spouse is also listed on the account. | no longer required per GLs. | 09/29/2025 | Documentation is sufficient. Access letter not required. Exception rescinded.; Asset Record XXX Meets G/L Requirements Or XXX | 09/30/2025 | A |
| 6539554 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/26/2025 | 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. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539554 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/26/2025 | 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. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539557 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Rescinded | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited HLTV of XXX% exceeds Guideline HLTV of XXX% | Where in our GLs do you see this cap of XXX%? We show this at XXX% | 09/29/2025 | Documentation is sufficient. LTV within guidelines. Exception rescinded.; Audited LTV/CLTV/HCLTV is XXX% is less than or equal to Guideline LTV/CLTV/HCLTV is XXX% | 09/30/2025 | C A |
| 6539557 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% |  |  | Audited LTV/CLTV/HCLTV is XXX% is less than or equal to Guideline LTV/CLTV/HCLTV is XXX% | 09/30/2025 | C A |
| 6539557 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% |  |  | Audited LTV/CLTV/HCLTV is XXX% is less than or equal to Guideline LTV/CLTV/HCLTV is XXX% | 09/30/2025 | C A |
| 6539557 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/26/2025 | C A |
| 6539557 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/26/2025 | C A |
| 6539567 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/26/2025 | A |
| 6539567 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/26/2025 | A |
| 6539567 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/26/2025 | A |
| 6539584 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/26/2025 | A |
| 6539584 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/26/2025 | A |
| 6539584 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/26/2025 | A |
| 6539591 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/26/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539591 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/26/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539591 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/26/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539599 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/26/2025 | 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. A |
| 6539599 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/26/2025 | 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. A |
| 6539599 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/26/2025 | 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. A |
| 6539616 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A |
| 6539616 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Rescinded | FCRE9272 | Credit | Loan has escrow holdback. No proof it was released provided in file |  | Where, specifically, are you seeing that this deal has an escrow holdback? | 09/29/2025 | This exception is invalid and was cited by mistake. Removing. | 09/30/2025 | C A |
| 6539616 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/26/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A |
| 6539616 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | finding-2962 | Compliance | 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant as it is escrowed and appraisal |  |  | Informational | 09/26/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A |
| 6539616 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | finding-3352 | Compliance | 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 inLTV of XXX% §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | Informational | 09/26/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A |
| 6539623 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/26/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of 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% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6539623 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/26/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 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% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6539623 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/26/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 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% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6539631 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCRE1159 | Credit | 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. Documentation of Hazard Insurance in force on date of disbursement is required. | Document Uploaded. | 09/29/2025 | Documentation is sufficient. Updated policy provided. Exception resolved.; 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 Not Provided. | 09/30/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539631 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/26/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539631 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/26/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539476 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539476 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539476 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539483 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539483 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539483 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539485 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539485 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539485 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539487 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/29/2025 | 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. A |
| 6539487 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/29/2025 | 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. A |
| 6539487 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/29/2025 | 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. A |
| 6539499 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539499 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539499 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539555 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539555 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539555 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539577 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539577 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539577 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539583 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: [[LTV of XXX%]] The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven 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 loan estimate delivery date is less than four 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 loan estimate receipt date is provided and the revised loan estimate receipt date is less than four 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 loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version XXX business days after the creditor delivers or places such version in the mail. Documentation Required: missing proof borrower received the revised LE at least XXX days prior to consummation | Document Uploaded. | 09/30/2025 | Received proof of delivery from client for testing- exception resolved.; Received proof of delivery from client for testing- exception resolved. | 09/30/2025 | 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% A |
| 6539583 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/29/2025 | 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% A |
| 6539583 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/29/2025 | 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% A |
| 6539588 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539588 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539593 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539593 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539593 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539596 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6539596 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/29/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6539596 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/29/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6539608 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/29/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6539608 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/29/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6539608 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/29/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6539627 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539627 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539627 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539630 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539630 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539630 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539639 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539639 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539639 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539662 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539662 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539662 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539670 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539670 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539670 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539478 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/30/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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. A |
| 6539478 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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. A |
| 6539478 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/30/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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. A |
| 6539481 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/30/2025 | 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 XX/XX/XXXX years on job. A |
| 6539481 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/30/2025 | 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 XX/XX/XXXX years on job. A |
| 6539481 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | 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 XX/XX/XXXX years on job. A |
| 6539490 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV 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. A |
| 6539490 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. A |
| 6539491 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/30/2025 | 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% A |
| 6539491 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | 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% A |
| 6539491 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/30/2025 | 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% A |
| 6539501 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| 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 XX/XX/XXXX years on job. A |
| 6539501 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| 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 XX/XX/XXXX years on job. A |
| 6539501 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| 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 XX/XX/XXXX years on job. A |
| 6539507 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/30/2025 | 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 A |
| 6539507 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/30/2025 | 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 A |
| 6539507 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | 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 A |
| 6539521 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539521 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539521 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539530 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/30/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6539530 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6539530 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/30/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6539545 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/30/2025 | 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 A |
| 6539545 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | 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 A |
| 6539545 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | finding-2962 | Compliance | 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  | Informational | 09/30/2025 | 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 A |
| 6539545 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | finding-3352 | Compliance | 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 inLTV of XXX% §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  | Informational | 09/30/2025 | 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 A |
| 6539552 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539552 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539552 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539589 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539589 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539589 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539602 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6539602 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6539602 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6539619 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539619 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539619 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539620 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539620 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539620 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539624 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/30/2025 | 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 XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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% A |
| 6539624 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/30/2025 | 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 XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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% A |
| 6539624 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | 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 XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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% A |
| 6539649 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/30/2025 | A |
| 6539649 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/30/2025 | A |
| 6539649 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | A |
| 6539674 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV 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. A |
| 6539674 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. A |
| 6539674 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. A |
| 6539514 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV 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. A |
| 6539514 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. A |
| 6539514 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. A |
| 6539571 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/01/2025 | 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. A |
| 6539571 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/01/2025 | 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. A |
| 6539571 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/01/2025 | 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. A |
| 6539585 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539585 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539585 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539610 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/01/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539610 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/01/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539610 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/01/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539611 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/01/2025 | 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 A |
| 6539611 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/01/2025 | 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 A |
| 6539611 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/01/2025 | 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 A |
| 6539640 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/01/2025 | 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 A |
| 6539640 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/01/2025 | 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 A |
| 6539640 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/01/2025 | 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 A |
| 6539646 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539646 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539646 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539678 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/01/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539678 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/01/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539678 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/01/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539582 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete - missing pages XX/XX/XXXX of the Deed of Trust. | Document Uploaded. | 10/01/2025 | Documentation is sufficient. Mortgage provided. Exception resolved.; The Deed of Trust is Present and Complete | 10/02/2025 | D A |
| 6539582 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/26/2025 | D A |
| 6539582 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/26/2025 | D A |
| 6539574 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Rescinded | FCRE1480 | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Asset, XXX, #XXX, reflects borrower, XXX XXX as owners. An access letter from XXX and XXX XXX for full access by borrower is required. In addition, documentation establishing ownership of XXX is missing from the loan file. | Joint access letters are no longer required per GLs | 10/01/2025 | Documentation is sufficient. Access letter not required. Exception resolved.; Asset Record XXX Meets G/L Requirements Or XXX | 10/02/2025 | A |
| 6539574 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | 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% A |
| 6539574 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/30/2025 | 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% A |
| 6539601 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE6843 | Credit | Asset General | Missing proof of earnest money deposit clearing in the amount of XXX | Document Uploaded. | 10/01/2025 | ; Documentation is sufficient. Copy of Wire provided. Exception resolved. | 10/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539601 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539601 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539615 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Rescinded | FCRE7347 | Credit | Missing Lease Agreement | Subject property is a XXX-unit property with XXX units occupied by tenants and lender used the rent amounts as part of consideration for DSCR calculation, however, the lease agreements are missing in file - Unit XXX ($XXX monthly) and Unit XXX ($XXX monthly) per Appraisal report. | Document Uploaded. | 10/01/2025 | Documentation is sufficient. Rental Schedule acceptable. Exception rescinded. | 10/02/2025 | A |
| 6539615 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539615 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539648 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE1485 | Credit | Asset 7 Does Not Meet Guideline Requirements | Asset 7 Does Not Meet Guideline Requirements Final 1003 reflects concurrent close for refinance of REO, XXX XXX, and proceeds from secured loan for $XXX. Verification of PITIA and proceeds to borrower from refinance of XXX XXX is required. | Document Uploaded. | 10/01/2025 | Documentation is sufficient. Closing Statement for cash out of concurrent closing provided. Exception resolved.; Asset 7 Meets Guideline Requirements Or XXX | 10/02/2025 | 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. A |
| 6539648 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE1484 | Credit | Asset 6 Does Not Meet Guideline Requirements | Asset 6 Does Not Meet Guideline Requirements FNMA required evidence of receipt of gift funds for XXX is missing from the loan file. | Document Uploaded. | 10/01/2025 | Documentation is sufficient. Receipt of gift funds provided. Exception resolved.; Asset 6 Meets Guideline Requirements Or XXX | 10/02/2025 | 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. A |
| 6539648 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | 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. A |
| 6539648 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/30/2025 | 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. A |
| 6539475 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/02/2025 | 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% A |
| 6539475 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/02/2025 | 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% A |
| 6539475 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/02/2025 | 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% A |
| 6539634 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539634 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539634 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539644 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539644 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539644 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539473 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6539473 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6539473 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6539519 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539519 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539519 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539522 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6539522 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6539522 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6539523 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/02/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539523 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/02/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539523 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/02/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539529 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE1133 | Credit | XXX Contract Expiration Date is prior to Note Date | Missing addendum to contract updating closing date from XX/XX/XXXX to XX/XX/XXXX. | Document Uploaded. | 10/01/2025 | Documentation is sufficient. Updated addendum provided. Exception resolved. | 10/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A |
| 6539529 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/26/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A |
| 6539529 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/26/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A |
| 6539580 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCRE9178 | Credit | Borrower has less than 2 FICO scores and does not meet minimum required to be scored. | Borrower has less than XXX FICO scores and does not meet minimum required to be scored. | Please rescind. Not required per GLs | 10/01/2025 | Documentation is sufficient. Fico score not required. Exception resolved.; Borrower has less than XXX FICO scores and does not meet minimum required to be scored. Not required; Borrower(s) FICO score meets guidelines.; Borrower 2 has less than XXX FICO scores and does not meet minimum required to be scored. Not required; Borrower 2 has less than XXX FICO scores and does not meet minimum required to be scored. Not required; Borrower(s) FICO score meets guidelines.; Borrower has less than XXX FICO scores and does not meet minimum required to be scored. Not required | 10/02/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539580 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539580 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539580 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539617 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Rescinded | FCRE9785 | Credit | XXX Contract is Incomplete | Loan Purpose is XXX but XXX Contract Doc is Incomplete Missing addendum adding spouse to the sales contract, and personal property is included in the sales contract; all furniture. Per lender guidelines: Any personal property transferred with a property sale must be deemed to have zero transfer value, as indicated by the sales contract and the appraisal. If any value is XXX with the personal property, the sales price and appraised value must be reduced by the personal property value for purposes of calculating the LTV/CLTV/HCLTV. The appraisal reflects XXX value given but no XXX value is noted on the sales contract. | Document Uploaded. | 10/01/2025 | Documentation is sufficient. Spouse on Title only. Personal property conveys with subject property, no value. Exception rescinded. | 10/02/2025 | A |
| 6539617 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539617 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539594 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCRE1480 | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements - Missing evidence of transfer and closing agent receipt of XXX in gift funds. Required per lender final approval. | borrower had been below max cash to close, they did not want to use the gift so it was not listed | 10/02/2025 | Documentation is sufficient. Not using gift funds. Exception resolved.; Asset Record XXX Meets G/L Requirements Or XXX | 10/03/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| 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 XXX% is less than Guideline CCLTV of XXX% A |
| 6539594 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCOM1544 | Compliance | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure The final CD dated XX/XX/XXXX is missing page XXX | Document Uploaded. | 10/01/2025 | TRID: Final Closing Disclosure Provided | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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 XXX% is less than Guideline CLTV of XXX% A |
| 6539594 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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 XXX% is less than Guideline CLTV of XXX% A |
| 6539598 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Title is missing the borrower, XXX, as proposed insured. No Instructions to Escrow were found in file. | Document Uploaded. | 10/02/2025 | Documentation is sufficient. Updated Title policy provided. Exception resolved.; Property Title Issue Resolved | 10/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6539598 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/29/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6539598 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/29/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6539647 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Rescinded | finding-3800 | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (XXX CFR 1026.43(e)(3) he loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. | Document Uploaded. Points and fees are clear on Mavent, attached. | 10/03/2025 | Non QM | 10/03/2025 | D A |
| 6539647 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCOM1544 | Compliance | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure Missing Page XXX of Final CD. | Document Uploaded. | 09/30/2025 | Documentation is sufficient. CD provided. Exception resolved.; TRID: Final Closing Disclosure Provided | 10/01/2025 | 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. A |
| 6539647 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Missing Appraisal report for subject property. | Document Uploaded. | 09/30/2025 | Documentation is sufficient. Appraisal provided. Exception resolved.; Appraisal is Present or is Waived | 10/01/2025 | 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. A |
| 6539647 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/29/2025 | 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. A |
| 6539587 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The e-Signed documents consent is missing. The first e-signed document in the file is dated XX/XX/XXXX The file did not contain any e-consents. Please provide an e-consent dated XX/XX/XXXX or before. |  |  | Evidence of eConsent is provided.; Document Uploaded. Please find e-sign attached. | 10/02/2025 | 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. A |
| 6539587 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/30/2025 | 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. A |
| 6539587 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | 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. A |
| 6539587 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | finding-3352 | Compliance | 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 inLTV of XXX% §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  | Informational | 09/30/2025 | 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. A |
| 6539635 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue - Proposed Insured/Borrower on Title policy - 'XXX and XXX' differs from Deed of Trust being 'XXX'. The closing/Escrow/Settlement instructions missing from loan file. | Document Uploaded. | 10/02/2025 | Documentation is sufficient. Updated Title policy provided. Exception resolved.; Property Title Issue Resolved | 10/03/2025 | C A |
| 6539635 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/30/2025 | C A |
| 6539635 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | C A |
| 6539645 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Hazard Policy does not reflect the required Rent Loss Coverage, minimum XXX months of qualifying income. | Document Uploaded. | 10/02/2025 | Documentation is sufficient. Rent loss coverage verified. Exception resolved.; Rent Loss Coverage Present | 10/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6539645 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE1480 | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Asset, XXX, #XXX, XXX, reflects XXX as, XXX. Documentation to support borrower's access to XXX, #XXX, and use of XXX EMD is required. | Document Uploaded. LLC documents in the file. | 10/01/2025 | Documentation is sufficient. EIN letter provided to show access to business funds provided. Exception resolved.; Asset Record XXX Meets G/L Requirements Or XXX | 10/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6539645 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6539645 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6539495 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Acknowledged | FCRE1481 | Credit | Asset 3 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Gift funds are not allowed to be utilized on Alt-Doc Asset Depletion loan program. However, the loan file contains a Lender Approved Exception permitting Gift funds on asset depletion loans. The lender identified the following compensating factors to justify approval; low LTV at XXX% Excessive Reserves, significant residual income and low DTI. Exception downgraded to a level 2/B. | rescind please - exception in file. | 10/02/2025 | Asset Record XXX Does Not Meet G/L Requirements Gift funds are not allowed to be utilized on Alt-Doc Asset Depletion loan program. However, the loan file contains a Lender Approved Exception permitting Gift funds on asset depletion loans. The lender identified the following compensating factors to justify approval; low LTV at XXX% Excessive Reserves, significant residual income and low DTI. Exception downgraded to a level 2/B.; Asset Record XXX Meets G/L Requirements Or XXX | 10/03/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| 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 \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6539495 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/01/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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 \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6539495 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/01/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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 \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6539569 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Rescinded | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Subject property has XXX ADU's. The appraiser must specifically confirm compliance with local zoning laws and regulations; and also State the property is typical, readily acceptable and common in the subject's marker area; and provide at least XXX comparable properties with similar additional accessory units, only XXX comparable provided has XXX ADU's, the other comparable provided is just a listing, not a closed sale. Required per lender guidelines. | This is an overreach. Supplemental Addendum: Comments on Subject's Zoning: The subject's zoning was obtained from the XXXX, a web-based mapping application developed by XXX XXX. It provides a XXX and primary data source for planning and zoning information on properties located within the XXX. XXXX and defined by XXX. XXX. the subject's zoning is RS-XXX, defined as "RS-XXX" SUBURBAN ZONE. The subject has an ADU and a XXX which was verified to be legally permitted by the XXX Department of Building and Safety on XX/XX/XXXX (ADU Permit #XX/XX/XXXX) XX/XX/XXXX (XXX Permit #XX/XX/XXXX) Appraiser has commented on the subject's condition and notes it is typical for the area. Nothing in the GL's States one of these comparables can't be a listing. | 10/02/2025 | Documentation is sufficient. Appraisal is acceptable. Exception rescinded.; Property/Appraisal Meets Guidelines | 10/03/2025 | A |
| 6539569 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/01/2025 | 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. A |
| 6539569 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/01/2025 | 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. A |
| 6539570 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Rescinded | FCRE7347 | Credit | Missing Lease Agreement | Subject property is a XXX-unit property occupied by tenant and lender used the rent amount XXX to calculate DSCR, however, the lease agreement, evidence of security deposit and 1st months rent missing from the loan file. | Current rent of XX/XX/XXXX is listed on the XXX-lease not necessary | 10/02/2025 | Documentation is sufficient. XXX in file. Exception rescinded. | 10/03/2025 | A |
| 6539570 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539570 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539528 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/03/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6539528 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/03/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6539528 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/03/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6539538 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/03/2025 | A |
| 6539538 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/03/2025 | A |
| 6539538 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/03/2025 | A |
| 6539539 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/03/2025 | A |
| 6539539 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/03/2025 | A |
| 6539539 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/03/2025 | A |
| 6539540 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/03/2025 | A |
| 6539540 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/03/2025 | A |
| 6539540 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/03/2025 | A |
| 6539541 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/03/2025 | A |
| 6539541 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/03/2025 | A |
| 6539541 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/03/2025 | A |
| 6539542 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/03/2025 | A |
| 6539542 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/03/2025 | A |
| 6539542 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/03/2025 | A |
| 6539543 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/03/2025 | A |
| 6539543 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/03/2025 | A |
| 6539543 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/03/2025 | A |
| 6539544 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539544 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539544 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539553 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539553 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539553 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539556 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/03/2025 | 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 XX/XX/XXXX years on job. A |
| 6539556 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/03/2025 | 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 XX/XX/XXXX years on job. A |
| 6539556 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/03/2025 | 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 XX/XX/XXXX years on job. A |
| 6539559 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539559 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539559 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539561 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539561 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539561 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539562 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539562 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539562 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539563 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539563 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539563 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539606 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539606 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539606 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539628 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539628 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539628 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539636 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| 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 A |
| 6539636 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| 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 A |
| 6539636 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| 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 A |
| 6539642 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV 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. A |
| 6539642 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. A |
| 6539642 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. A |
| 6539643 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | finding-3352 | Compliance | 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 inLTV of XXX% §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational | 10/03/2025 | 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. A |
| 6539643 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/03/2025 | 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. A |
| 6539643 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/03/2025 | 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. A |
| 6539663 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | finding-3352 | Compliance | 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 inLTV of XXX% §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational | 10/03/2025 | 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. A |
| 6539663 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/03/2025 | 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. A |
| 6539663 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/03/2025 | 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. A |
| 6539679 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/03/2025 | 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% A |
| 6539679 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/03/2025 | 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% A |
| 6539679 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/03/2025 | 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% A |
| 6539680 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/03/2025 | 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. A |
| 6539680 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/03/2025 | 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. A |
| 6539680 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | finding-3352 | Compliance | 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 inLTV of XXX% §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant, downgraded to A |  |  | Informational | 10/03/2025 | 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. A |
| 6539622 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline HLTV of XXX% | Document Uploaded. ; Cap should be XXX% | 10/06/2025 | Max LTV/CLTV/HCLTV is XXX% per guidelines. The subject transaction is at XXX% exceeding guideline maximum. However, a Credit Exception was granted for the higher LTV, citing compensating factors of an XXX credit history/minimal use of consumer credit, excessive reserves and mortgage history paid as agreed for XXX months. Acknowledged and downgraded.; Must use original XXX price, which results in an LTC/CLTV/HCLTV of XXX%. Exception remains.; Audited HCLTV of XXX% exceeds Guideline HCLTV of XXX% | 10/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A |
| 6539622 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline CLTV of XXX% | Document Uploaded. ; Cap should be XXX% | 10/06/2025 | Max HCLTV of XXX% per guidelines. The subject transaction is at XXX% exceeding guideline maximum. However, a Credit Exception was granted for the higher LTV, citing compensating factors of an XXX credit history/minimal use of consumer credit, excessive reserves and mortgage history paid as agreed for XXX months. Acknowledged and downgraded.; Must use original XXX price, which results in an LTC/HCLTV of XXX%. Exception remains.; Audited HCLTV of XXX% exceeds Guideline HCLTV of XXX% | 10/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A |
| 6539622 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline LTV of XXX% | Document Uploaded. ; This should be GL of XXX% not XXX% - please restructure your condition. This is a rate and term DSCR with delayed financing. We should be looking at guides for XXX% | 10/06/2025 | Max ##XXX## per guidelines. The subject transaction is at XXX% exceeding guideline maximum. However, a Credit Exception was granted for the higher LTV, citing compensating factors of an XXX credit history/minimal use of consumer credit, excessive reserves and mortgage history paid as agreed for XXX months. Acknowledged and downgraded.; Must use original XXX price, which results in an LTC/##XXX##. Exception remains.; Audited ##XXX## exceeds Guideline ##XXX## | 10/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A |
| 6539622 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Title reflects borrower XXX property XX/XX/XXXX vs HUD1 in file reflects subject was XXX XX/XX/XXXX. | Document Uploaded. | 09/29/2025 | Documentation is sufficient. Updated Prelim provided. Exception resolved.; Property Title Issue Resolved | 09/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A |
| 6539622 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/26/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A |
| 6539622 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/26/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A |
| 6539638 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Fraud report reflects loans in process with another lender: XXX XXX | Document Uploaded. | 10/06/2025 | Documentation is sufficient. Credit denial provided. Exception resolved.; All Fraud Report Alerts have been cleared or None Exist | 10/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6539638 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Missing title supplement evidencing #XXX, has been removed from title. Title required evidence that this lien has been released. | Document Uploaded. | 10/02/2025 | Documentation is sufficient. Updated Title policy provided. Exception resolved.; Property Title Issue Resolved | 10/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6539638 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing evidence that the XX/XX/XXXX, and XX/XX/XXXX mortgage payments with XXX #XXX were made on time as credit report reflects the last payment made as XX/XX/XXXX. | Document Uploaded. | 09/29/2025 | Documentation is sufficient. Credit supplement provided. Exception resolved.; Housing History Meets Guideline Requirements | 09/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6539638 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6539638 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6539486 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCRE1151 | Credit | Satisfactory Chain of Title not Provided | Unsatisfactory Chain of Title provided Missing letter of explanation from current title holders to verify if there is an agreement or a cost to our borrower to remove XXX XXX from title. Currently vesting includes XXX and XXX XXX | Document Uploaded. | 10/06/2025 | Documentation is sufficient. LOE provided. Exception resolved.; Satisfactory Chain of Title has been provided | 10/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539486 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/01/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539486 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/01/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539607 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Missing page XXX of the prepayment rider. | Document Uploaded. | 10/06/2025 | Documentation is sufficient. PPP Rider provided. Exception resolved.; The Deed of Trust is Present and Complete | 10/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% D A |
| 6539607 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 6539607 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 6539526 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV/CLTV/HLTV of XXX% The borrower with a XXX FICO on a cash-out refinance on an investment property qualifies for a max LTV/CLTV/HLTV/CLTV/HLTV of XXX%, loan was approved at XXX% | Document Uploaded. | 10/06/2025 | Max LTV/CLTV HCLTV per guidelines is XXX% The subject transaction is at XXX% LTV, exceeding guidelines. However, a Credit Exception was granted for the higher LTV, citing compensating factors of XXX credit history/minimal use of consumer credit, low DTI and mortgage history paid on time for XXX months. Acknowledged and downgraded. | 10/07/2025 | 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. A |
| 6539526 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline CLTV of XXX% The borrower with a XXX FICO on a cash-out refinance on an investment property qualifies for a max CLTV of XXX%, loan was approved at XXX% | Document Uploaded. | 10/06/2025 | Max LTV/CLTV HCLTV per guidelines is XXX% The subject transaction is at XXX% LTV, exceeding guidelines. However, a Credit Exception was granted for the higher LTV, citing compensating factors of XXX credit history/minimal use of consumer credit, low DTI and mortgage history paid on time for XXX months. Acknowledged and downgraded. | 10/07/2025 | 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. A |
| 6539526 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline ##XXX## The borrower with a XXX FICO on a cash-out refinance on an investment property qualifies for a max ##XXX##, loan was approved at XXX% | Document Uploaded. | 10/06/2025 | Max LTV/CLTV HCLTV per guidelines is XXX% The subject transaction is at XXX% LTV, exceeding guidelines. However, a Credit Exception was granted for the higher LTV, citing compensating factors of XXX credit history/minimal use of consumer credit, low DTI and mortgage history paid on time for XXX months. Acknowledged and downgraded. | 10/07/2025 | 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. A |
| 6539526 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/02/2025 | 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. A |
| 6539526 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/02/2025 | 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. A |
| 6539537 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCRE1479 | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. - The, #XXX assets, reflects XXX as, RXXX. Missing documentation such as the Operating Agreement for XXX to establish borrower is Sole Member and has access to all funds, within this account. | Document Uploaded. | 10/06/2025 | Documentation is sufficient. Operating Agreement provided. Exception resolved.; Asset Record XXX Meets G/L Requirements | 10/07/2025 | C A |
| 6539537 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/03/2025 | C A |
| 6539537 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/03/2025 | C A |
| 6539590 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Rescinded | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. for the current mortgage with XXX #XXX reflecting paid as agreed for the past XXX months. | Document Uploaded. Please rescind-borrower not financially obligated on note. | 10/06/2025 | Documentation is sufficient. Borrower not responsible for other REO. Exception rescinded.; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 10/07/2025 | A |
| 6539590 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/03/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6539590 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/03/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6539660 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCRE1480 | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Missing evidence of receipt of XXX in gift funds. Required per lender final approval. | Document Uploaded. updated 1003 uploaded.. borrower decided not to use gift funds at funding.. funds to close must have dropped after CTC.. borrower assets of XXX plus XXX in cash back to borrower after net sale proceeds received cover XXX months reserves of $XXX.. | 10/06/2025 | Documentation is sufficient. Updated 1003 provided. Exception resolved.; Asset Record XXX Meets G/L Requirements Or XXX | 10/07/2025 | 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. A |
| 6539660 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | finding-3352 | Compliance | 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##XXX## §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational | 10/03/2025 | 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. A |
| 6539660 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/03/2025 | 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. A |
| 6539474 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of 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% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6539474 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/06/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 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% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6539474 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/06/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of 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% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6539480 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/06/2025 | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539480 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/06/2025 | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539480 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/06/2025 | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539482 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/06/2025 | A |
| 6539482 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/06/2025 | A |
| 6539482 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/06/2025 | A |
| 6539502 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6539502 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6539502 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6539516 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/06/2025 | A |
| 6539516 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/06/2025 | A |
| 6539516 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/06/2025 | A |
| 6539549 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/06/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6539549 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/06/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6539549 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/06/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6539575 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6539575 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6539575 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6539581 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/06/2025 | A |
| 6539581 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/06/2025 | A |
| 6539581 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/06/2025 | A |
| 6539595 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/06/2025 | A |
| 6539595 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/06/2025 | A |
| 6539595 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/06/2025 | A |
| 6539614 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6539614 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6539614 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6539618 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/06/2025 | A |
| 6539618 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/06/2025 | A |
| 6539618 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/06/2025 | A |
| 6539629 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/06/2025 | A |
| 6539629 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/06/2025 | A |
| 6539629 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/06/2025 | A |
| 6539632 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539632 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539632 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539650 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/06/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| 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 A |
| 6539650 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/06/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| 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 A |
| 6539650 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/06/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| 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 A |
| 6539664 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539664 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539664 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539665 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/06/2025 | A |
| 6539665 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/06/2025 | A |
| 6539665 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/06/2025 | A |
| 6539667 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/06/2025 | A |
| 6539667 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/06/2025 | A |
| 6539667 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/06/2025 | A |
| 6539671 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/06/2025 | A |
| 6539671 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/06/2025 | A |
| 6539671 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/06/2025 | A |
| 6539673 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539673 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539673 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539508 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE1158 | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided Mortgagee clause loan number is incorrect, it should be XXX | Document Uploaded. | 10/03/2025 | Documentation is sufficient. Updated policy provided. Exception resolved.; Hazard Insurance Policy is fully present | 10/06/2025 | 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 A |
| 6539508 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Missing pgs XXX and XXX of the Final 1003 application. | Document Uploaded. | 10/01/2025 | Documentation is sufficient. Updated 1003 provided. Exception resolved.; The Final 1003 is Present | 10/02/2025 | 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 A |
| 6539508 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | finding-3352 | Compliance | 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##XXX## §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational | 09/30/2025 | 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 A |
| 6539508 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | 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 A |
| 6539572 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements - Missing documentation verifying receipt of Gift funds ($XXX and $XXX) as required by guidelines. | Document Uploaded. EM receipt was already in the file. Do you need the receipt from Escrow that they rec'vd it? ; Document Uploaded. | 10/03/2025 | Documentation is sufficient. Wire receipt and copy of check provided. Exception resolved.; Asset Qualification Meets Guideline Requirements; Wire for the XXX gift was received. Still need the XXX information. Exception remains. | 10/06/2025 | C A |
| 6539572 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/01/2025 | C A |
| 6539572 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/01/2025 | C A |
| 6539564 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Missing Final XXX and/or Final Loan Approval. Need to confirm final DTI TV, and income. File only contained conditional approval. Income from Income calculator does not match conditional approval income. | Document Uploaded. | 10/03/2025 | Documentation is sufficient. XXX and Approval provided. Exception resolved.; Approval/Underwriting Summary is fully present | 10/06/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6539564 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6539564 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6539612 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete - The Final 1003 reflects a different income amount compared to the Bank Statement Income Worksheet and the XXX Transmittal Summary figures. | Document Uploaded. | 10/03/2025 | Documentation is sufficient. Updated 1003 provided. Exception resolved.; The Final 1003 is Present | 10/06/2025 | 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 XX/XX/XXXX years on job. A |
| 6539612 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/02/2025 | 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 XX/XX/XXXX years on job. A |
| 6539612 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/02/2025 | 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 XX/XX/XXXX years on job. A |
| 6539503 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Rescinded | FCRE9785 | Credit | XXX Contract is Incomplete | Loan Purpose is XXX but XXX Contract Doc is Incomplete XXX contract reflects furniture and furnishings included on the sales contract. | What do you need on this? Contract States all furnishings and Funiture convey with the house for no additional consideration. Please extrapolate or rescind. | 10/03/2025 | Documentation is sufficient. Value for furnishings not given a value. Exception rescinded.; XXX Contract Doc is complete. | 10/06/2025 | D A |
| 6539503 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing verification of HOA dues for subject property for XXX per month, which is reflected on Final 1003 and the lender final approval. | No hoa fee exists. Added in error and now removed. Updated XXX/urla uploaded; Document Uploaded. | 10/03/2025 | Documentation is sufficient. Updated 1008 and 1003 provided. Exception resolved. | 10/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6539503 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6539503 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6539558 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOM for the subject property at XXX XXX d XX/XX/XXXX indicates Interest only payments of XXX to start XX/XX/XXXX made payable to XXX. We have verified XX/XX/XXXX - XX/XX/XXXX identified from borrowers account First Citizen #XXX to the recipient XXX | Document Uploaded. | 10/08/2025 | Documentation provided is sufficient. Exception resolved. ; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 10/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6539558 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCRE1479 | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Missing fully executed Limited Liability Company Agreement for XXX. Copy in file is not executed. | Document Uploaded. | 09/30/2025 | Documentation is sufficient. Operating Agreement provided. Exception resolved.; Asset Record XXX Meets G/L Requirements | 10/01/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6539558 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6539558 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6539532 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Due to lender not including the PITIA in rental calculation for other REO XXX XXX, which is XXX per month and calculates to a rental loss of XXX not a rental income of $XXX. The loan file contains the mortgage Statement for this other REO, dated XX/XX/XXXX and no evidence this mortgage was paid in full. Therefore, DTI exceeds maximum of XXX% | Document Uploaded. ; Please escalate. This qualifies - FICO is XXX this is a w2, goes to XXX%; Max DTI for this product is XXX% per guideline. Please restructure your condition or rescind. | 10/07/2025 | Documentation is sufficient. Additional income documentation provided. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Received lender response "Please escalate. This qualifies - FICO is XXX this is a w2, goes to XXX%." However, according to page XXX and XXX of the XXX Prime guidelines, all loans have a max DTI of XXX% but can go to XXX% only if FICO is above XXX has a max XXX% LTV and its a primary residence, no FTHB. Exception Remains.; Max DTI for an investment property with a score less than XXX is XXX% per guidelines. Exception remains. | 10/08/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 6539532 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 6539532 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 6539479 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCOM1232 | Credit | The Final 1003 is Missing | The Final 1003 is Missing The Final 1003 is Missing | Document Uploaded. | 10/07/2025 | Documentation is sufficient. 1003 provided. Exception resolved.; The Final 1003 is Present | 10/08/2025 | 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. A |
| 6539479 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCOM1223 | Credit | The Deed of Trust is Not Executed | The Deed of Trust is Not Executed The final DOT in file is not signed. | Document Uploaded. | 10/07/2025 | Documentation is sufficient. Updated Deed of Trust provided. Exception resolved.; The Deed of Trust is Executed | 10/08/2025 | 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. A |
| 6539479 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/06/2025 | 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. A |
| 6539479 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/06/2025 | 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. A |
| 6539669 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Guidelines require most recent XXX months bank Statements to evaluate qualifying income. XXX months of Statements, #XXX, XX/XX/XXXX were submitted to the loan file. Statements, #XXX, for XXX and XXX are required. Additional conditions may apply. | Document Uploaded. | 10/07/2025 | Documentation is sufficient. Bank Statement provided. Exception resolved.; Income and Employment Meet Guidelines | 10/08/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539669 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/06/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539669 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/06/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539477 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539477 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539477 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539488 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539488 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539488 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539493 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/08/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539493 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/08/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539493 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/08/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539496 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete - The notary crossed out the part of the notary acknowledgement reflecting borrower signed individually, and as a trustee and trust settler. Loan closed in trust. | In XXX, notaries are not permitted to certify or determine a signer's representative capacity. This cross-out is acceptable for this State. | 10/08/2025 | Explanation provided is sufficient. A XXX notary's primary duty is to confirm the identity of the person signing the document. Exception rescinded. | 10/08/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539496 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/08/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539496 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/08/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539497 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/08/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539497 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/08/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539497 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/08/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539504 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539504 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539504 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539518 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/08/2025 | A |
| 6539518 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/08/2025 | A |
| 6539518 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/08/2025 | A |
| 6539524 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539524 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539524 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539536 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539536 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539536 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539586 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539586 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539586 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539603 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/08/2025 | A |
| 6539603 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/08/2025 | A |
| 6539621 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539621 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539621 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539641 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/08/2025 | 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. A |
| 6539641 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/08/2025 | 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. A |
| 6539641 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/08/2025 | 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. A |
| 6539653 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/08/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539653 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/08/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539653 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/08/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539655 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/08/2025 | 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% A |
| 6539655 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/08/2025 | 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% A |
| 6539655 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/08/2025 | 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% A |
| 6539656 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/08/2025 | 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. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539656 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/08/2025 | 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. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539656 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/08/2025 | 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. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539658 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/08/2025 | A |
| 6539658 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/08/2025 | A |
| 6539658 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/08/2025 | A |
| 6539666 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/08/2025 | 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 XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539666 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/08/2025 | 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 XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539666 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/08/2025 | 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 XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6539668 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539668 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539668 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6539676 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/08/2025 | 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. A |
| 6539676 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/08/2025 | 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. A |
| 6539676 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/08/2025 | 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. A |
| 6539677 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/08/2025 | A |
| 6539677 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/08/2025 | A |
| 6539677 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/08/2025 | A |
| 6539681 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/08/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6539681 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/08/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6539681 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/08/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6539613 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCRE3653 | Credit | Missing letter of explanation | Missing Letter of Explanation: Loan XXX has the same Last Name as the borrower. Per lender guidelines: A Letter of Explanation regarding the relationship between the parties is required. | Document Uploaded. | 10/09/2025 | Documentation provided is sufficient. Exception resolved. | 10/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6539613 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Rescinded | FCRE1479 | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Missing XXX% access letter for XXX XXX #XXX as the borrowers spouse is also on the account. | This is not required. Please rescind. | 10/07/2025 | Documentation is sufficient. Access letter not required. Exception rescinded.; Asset Record XXX Meets G/L Requirements | 10/08/2025 | D A |
| 6539613 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6539613 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6539652 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | finding-3716 | Compliance | XXX Per Diem Interest Amount Test | The Compliance Summary (pg. XXX) reflects a wire date of XX/XX/XXXX. However, the final CD (pg. XXX) reflects Prepaid Interest from XX/XX/XXXX through XX/XX/XXXX in the amount of $XXX. Provide a PCCD or final settlement Statement This loan failed the per diem interest amount test. (XXX Bus. Prof. Code ##XXX##The per diem interest amount charged on the loan XXX exceeds the per diem interest charge or credit threshold ($XXX) LEASE NOTE: An additional XXX buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. | Document Uploaded. | 10/07/2025 | PCCD provided; exception resolved; PCCD provided; exception resolved | 10/08/2025 | 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% A |
| 6539652 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/06/2025 | 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% A |
| 6539652 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/06/2025 | 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% A |
| 6539551 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Rescinded | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing proof of receipt of damage deposit and first months rent. Required per lender guidelines for new leases. | This is not a new lease; this is not required. Lease in place prior to Application date. | 10/08/2025 | Explanation is sufficient. Lease was in place prior to application date and therefore not a new lease. Exception rescinded. | 10/09/2025 | C A |
| 6539551 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Missing evidence borrower is XXX% XXX of XXX and able to sign the quit claim deed transferring ownership from the LLC into borrower's name. | Document Uploaded. | 10/08/2025 | Documentation provided is sufficient. Exception resolved.; Property Title Issue Resolved | 10/09/2025 | C A |
| 6539551 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Rescinded | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Appraiser to provide evidence that the issue with the door that is dividing the XXX areas of the home has been cured, the cost to cure is reflected on the appraisal. The door needs to be placed in it's original location so that the entire home is accessible without leaving one area of the H&C space. | This is an overreach. The Appraiser's opinion on the impact of moving the door, as an optional fix, is not considered a health and safety issue by the appraiser. This Appraisal is as is - we do not need this. | 10/08/2025 | Explanation provided is sufficient. Exception rescinded. | 10/08/2025 | C A |
| 6539551 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/08/2025 | C A |
| 6539578 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE1342 | Credit | Borrower 1 Business Bank Statements Missing | Borrower 1 Business Bank Statements Missing Missing XXX XXX business bank Statement verifying borrower's self-employment income. | Document Uploaded. | 10/08/2025 | Documentation provided is sufficient. Exception resolved.; Borrower 1 Business Bank Statements Provided | 10/09/2025 | 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. A |
| 6539578 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/08/2025 | 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. A |
| 6539578 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/08/2025 | 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. A |
| 6539672 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/07/2025 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The borrower is a First Time Home Buyer and the maximum DTI for a FTHB per guidelines is XXX% The cause of the DTI exceeding XXX% is the bank Statement income calculation. Using the bank Statements provided from XX/XX/XXXX to XX/XX/XXXX, calculated income was XXX-month average at XXX% ownership. However, the lender calculated XXX but the loan file does not contain any evidence of this monthly calculation. The lender income worksheet in the loan file also reflects XXX per month, which matches the Audit income calculation. Missing evidence of lender calculated income XXX per month. | Document Uploaded. ; Document Uploaded. Income Documentation uploaded. | 10/09/2025 | Documentation provided is sufficient. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Income worksheet received. Missing bank Statements to verify the deposits used to calculate the income - XXX Exception remains. | 10/10/2025 | 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 A |
| 6539672 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/08/2025 | 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 A |
| 6539672 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | finding-3352 | Compliance | 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##XXX## §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and appraisal requirements met. Exception downgraded. |  |  | Informational | 10/08/2025 | 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 A |
| 6539637 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Appraisal reflects subject property is detached vs photos confirm that the property is attached, MLS listing also reflects subject has XXX common wall, and days on market reflect XXX days with a listing date of XX/XX/XXXX, should be XXX date. | Document Uploaded. | 10/14/2025 | Documentation is sufficient. Updated appraisal provided. Exception resolved.; Property/Appraisal Meets Guidelines | 10/15/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 6539637 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE3653 | Credit | Missing letter of explanation | Missing letter of explanation for credit inquiries: XX/XX/XXXX XXX; XX/XX/XXXX XXX; XX/XX/XXXX XXX; XX/XX/XXXX XXX. | Document Uploaded. | 10/02/2025 | Documentation is sufficient. LOE provided. Exception resolved. | 10/03/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 6539637 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE1180 | Credit | HO-6 Insurance Policy is Missing | HO-6 Insurance Policy is Missing HO-6 Insurance Policy reflects Home Mortgage as mortgagee clause. | Document Uploaded. | 10/02/2025 | Documentation is sufficient. Updated policy provided. Exception resolved.; HO-6 Insurance Policy is fully present | 10/03/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 6539637 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/30/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 6539509 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) Total Assets: $XXX(including proceeds of sale of departing residence. Final Settlement Statement, dated XX/XX/XXXX which reflects XXX received. The Final 1003 and preliminary Seller's CD, datedXX/XX/XXXXeflects, $XXX. The funds required from borrowers was XXX plus XXX months required reserves of XXX which is a shortage of $XXX. | Document Uploaded. ; Document Uploaded. | 10/14/2025 | Documentation is sufficient. Access letter provided. Exception resolved.; Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Borrower is XXX% XXX of the business. Can only use XXX% of the business funds. Final HUD reflects a lower amount for proceeds. Exception remains. | 10/15/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6539509 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Total Assets: $XXX(including proceeds of sale of departing residence. Final Settlement Statement, dated XX/XX/XXXX which reflects XXX received. The Final 1003 and preliminary Seller's CD, datedXX/XX/XXXXeflects, $XXX. The funds required from borrowers was XXX plus XXX months required reserves of XXX which is a shortage of $XXX. | Document Uploaded. ; Document Uploaded. | 10/14/2025 | Documentation is sufficient. Access letter provided. Exception resolved.; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; Borrower is XXX% XXX of the business. Can only use XXX% of the business funds. Final HUD reflects a lower amount for proceeds. Exception remains. | 10/15/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6539509 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCRE1248 | Credit | XXX is not considered to be an Arm's Length Transaction | XXX is not considered to be an Arm's Length Transaction Final 1003 Declarations and Appraiser comments indicate the property is being sold to a relative of the XXX. For XXXs between family members, Guidelines require a XXX-month mortgage history for the existing mortgage securing the property XXX the Family Sale is not a foreclosure bailout. | Document Uploaded. | 10/06/2025 | Documentation is sufficient. Payoff provided. Exception resolved.; XXX is considered to be an Arm's Length Transaction, or XXX | 10/07/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6539509 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/02/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6539509 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/02/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6539604 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCRE2900 | Credit | Borrower Non-US Citizen Identification Document Missing | Non XXX Borrower is missing Identification Document. Missing a copy of the back of the Permanent Resident Card. Only the front of the card is in file. | Document Uploaded. | 10/16/2025 | Documentation is sufficient. Back picture of Resident Card provided. Exception resolved.; Borrower Identification Document provided. | 10/17/2025 | 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% A |
| 6539604 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/06/2025 | 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% A |
| 6539604 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/06/2025 | 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% A |
| 6539657 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6539657 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6539657 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6539609 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines CPA letter does not State that the XXX% expense ratio is based on the most recent year's tax return. Required per lender guidelines to use a lower expense ratio. | Document Uploaded. | 10/21/2025 | Documentation is sufficient. Updated CPA letter provided. Exception resolved.; Income and Employment Meet Guidelines | 10/22/2025 | 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. A |
| 6539609 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX - Copy of the Escrow/Closing/Settlement Instructions missing from the loan file. | Document Uploaded. | 10/07/2025 | Documentation is sufficient. Updated Title document provided. Exception resolved.; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien XXX | 10/08/2025 | 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. A |
| 6539609 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/02/2025 | 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. A |
| 6539609 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/02/2025 | 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. A |
| 6539675 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The Rent free letter of explanation is not dated and the signors name should also be printed. Per guidelines the LOE is required to be fully executed by the current legal XXX of the property borrower is residing in. The LOE in file, XXX who executed the LOE. | Document Uploaded. | 10/20/2025 | Documentation is sufficient. Rent free letter provided. Exception resolved.; Housing History Meets Guideline Requirements | 10/21/2025 | 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. A |
| 6539675 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines P&L does not list the company name, XXX. | Document Uploaded. | 10/20/2025 | Documentation is sufficient. Updated P & L provided. Exception resolved.; Income and Employment Meet Guidelines | 10/21/2025 | 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. A |
| 6539675 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE9785 | Credit | XXX Contract is Incomplete | Loan Purpose is XXX but XXX Contract Doc is Incomplete Missing addendum removing XXX from the contract, and the seller counter offer. | Addendum removing applicant is N/A in XXX. Borrower is already on the contract and should suffice. | 10/15/2025 | Documentation is sufficient. Explanation is acceptable. Exception resolved.; XXX Contract Doc is complete. | 10/16/2025 | 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. A |
| 6539675 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE1480 | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Provide evidence of transfer and receipt of gift funds directly to escrow in the amount of XXX Required per lender final approval. | Document Uploaded. | 10/14/2025 | Documentation is sufficient. Updated letter provided. Exception resolved.; Asset Record XXX Meets G/L Requirements Or XXX | 10/15/2025 | 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. A |
| 6539675 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The XXX gift letters are in file, for XXX and XXX are required to be signed and dated by both the donor and borrower, and include the date that the funds were transferred. XXX gift letters are in file, one for XXX and XXX | Document Uploaded. | 10/14/2025 | Documentation is sufficient. Updated letter provided. Exception resolved.; Asset Qualification Meets Guideline Requirements | 10/15/2025 | 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. A |
| 6539675 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/08/2025 | 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. A |
| 6539675 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/08/2025 | 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. A |
| 6539520 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCOM1208 | Credit | The Note is Incomplete | The Note is Incomplete The loan application reflects XXX borrower applied for subject loan and all XXX credit and income were utilized for qualification. However, the Note in the loan was only signed by B1. If borrower's credit and income is being utilized for qualifying borrower's are required to sign the Note. Therefore, missing executed Note with all XXX borrowers, B2 and B3 missing. | Document Uploaded. | 10/22/2025 | Documentation is sufficient. Note provided. Exception resolved.; The Note is Present | 10/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6539520 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6539520 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6573367 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines CPA letter States paperwork for the last XXX tax years have been reviewed. Borrower's Letter of Explanation indicates prior tax returns were filed by a previous tax preparer. Guidelines for a P&L program reflect if the preparer did not file the most recent tax returns then XXX months current bank Statements are required to support qualifying income within a XXX% variance. In addition, Guidelines State a Borrower Narrative on nature of the business is required. Bank Statements for the period of XX/XX/XXXX to support income within a XXX % variance and a Borrower Narrative are missing from the loan file. | Document Uploaded. Conditions uploaded. | 10/24/2025 | Documentation is sufficient. Bank Statements and Business Narrative provided. Exception resolved.; Income and Employment Meet Guidelines | 10/27/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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 XXX% is less than Guideline CLTV of XXX% A |
| 6573367 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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 XXX% is less than Guideline CLTV of XXX% A |
| 6573367 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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 XXX% is less than Guideline CLTV of XXX% A |
| 6573300 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Missing: Deed from XXX., XXX , Administrator of the EState of XXX XXX, Deceased, XXX and XXX, heirs of the EState of XXX XXX, Deceased to XXX to be executed at close. Loan closed in LLC's name. Required per lender final approval. | Document Uploaded. | 10/23/2025 | Documentation is sufficient. Deed provided. Exception resolved.; Property Title Issue Resolved | 10/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6573300 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/20/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6573300 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/20/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6573356 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCRE8611 | Credit | Income/Employment General | Missing executed XXX Business Narrative. | Document Uploaded. | 10/24/2025 | Documentation is sufficient. Self XXX Business Narrative provided. Exception resolved. | 10/27/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6573356 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | finding-3352 | Compliance | 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##XXX## §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met |  |  | Informational | 10/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6573356 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6573319 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Missing rent loss coverage - guidelines require XXX months rent loss coverage. | Document Uploaded. fair rental loss included in policy. | 10/23/2025 | Documentation is sufficient. Policy includes rental loss. Exception resolved.; Rent Loss Coverage Present | 10/27/2025 | D A |
| 6573319 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/22/2025 | D A |
| 6573319 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | D A |
| 6573329 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Rescinded | FCOM1208 | Credit | The Note is Incomplete | The Note is Incomplete Missing acceptable prepayment penalty for properties taken off the market less than XXX days from disbursement date. Guideline requires a XXX year prepayment penalty if the subject is an investment property and was taken off the market within XXX days of the disbursement date. while current prepayment penalty is XXX months. | This has a XXX year prepay- which is more than one year. Please clarify or rescind. | 10/23/2025 | Documentation is sufficient. XXX year pre-pay is acceptable. Exception rescinded.; The Note is Present | 10/27/2025 | A |
| 6573329 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | 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. A |
| 6573329 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/22/2025 | 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. A |
| 6573359 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Business purposed affidavit is not signed by borrower. | Document Uploaded. | 10/23/2025 | Documentation is sufficient. Business Purpose certification provided. Exception resolved.; Business Purpose Affidavit/Disclosure Provided | 10/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6573359 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6573359 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6573365 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Rescinded | FCRE1479 | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Missing XXX% access letter for XXX #XXX as his spouse is also listed on the account. | Access Letters are not required. | 10/23/2025 | Documentation is sufficient. Access letter not required. Exception rescinded.; Asset Record XXX Meets G/L Requirements | 10/27/2025 | A |
| 6573365 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | 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% A |
| 6573365 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | finding-3352 | Compliance | 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##XXX## §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational | 10/22/2025 | 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% A |
| 6573383 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCRE5802 | Credit | Cash reserves less than required by guidelines | Reserves less than required by guidelines after cash to closing. XXX months required reserves based on loan amount. Additional XXX months (XXX total) for the subject property if borrower owns additional financed properties | Document Uploaded. ; Please provide your calculations for reserves. | 10/27/2025 | Documentation is sufficient. Updated bank Statements provided. Exception granted for shortage of reserves, but not needed as reserves are XXX. Exception resolved.; WF of XXX and $XXX; of $XXX; and gifts of XXX and XXX Exception remains | 10/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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 XXX% is less than Guideline CLTV of XXX% A |
| 6573383 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Reserves less than required by guidelines after cash to closing. XXX months required reserves based on loan amount. Additional XXX months (XXX total) for the subject property if borrower owns additional financed properties | Document Uploaded. | 10/27/2025 | Documentation is sufficient. Updated bank Statements provided. Exception granted for shortage of reserves, but not needed as reserves are XXX. Exception resolved.; Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) | 10/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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 XXX% is less than Guideline CLTV of XXX% A |
| 6573383 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Reserves less than required by guidelines after cash to closing. XXX months required reserves based on loan amount. Additional XXX months (XXX total) for the subject property if borrower owns additional financed properties | Document Uploaded. | 10/27/2025 | Documentation is sufficient. Updated bank Statements provided. Exception granted for shortage of reserves, but not needed as reserves are XXX. 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. | 10/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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 XXX% is less than Guideline CLTV of XXX% A |
| 6573383 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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 XXX% is less than Guideline CLTV of XXX% A |
| 6573383 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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 XXX% is less than Guideline CLTV of XXX% A |
| 6573407 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Final 1003, Section 4b, reflects a First lien on the subject property with a monthly payment of XXX per month. | Document Uploaded. | 10/23/2025 | Documentation is sufficient. Updated 1003 provided. Exception resolved.; The Final 1003 is Present | 10/27/2025 | D A |
| 6573407 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/22/2025 | D A |
| 6573407 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | D A |
| 6573413 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCOM1229 | Credit | XXX Rider is Missing | XXX Rider is Missing. Deed of Trust and any possible Riders missing from the file | Document Uploaded. | 10/23/2025 | Documentation is sufficient. Rider provided. Exception resolved.; The XXX Rider is Present | 10/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6573413 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCOM1220 | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing Deed of Trust and any possible Riders missing from the file | Document Uploaded. | 10/23/2025 | Documentation is sufficient. Deed of Trust provided. Exception resolved.; The Deed of Trust is Present | 10/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6573413 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6573413 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6573422 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCRE7347 | Credit | Missing Lease Agreement | Missing lease agreement for the subject property. Appraisal form 1007 shows the market rents are $XXX/m while the current rents are $XXX/m. | UW used XXX rent-XXX$. Please clarify what you need? | 10/23/2025 | Documentation is sufficient. Using XXX Exception resolved. | 10/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6573422 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Missing page XXX of the XXX Rider. | Document Uploaded. | 10/23/2025 | Documentation is sufficient. Rider provided. Exception resolved.; The Deed of Trust is Present and Complete | 10/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6573422 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6573422 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6573428 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Rescinded | FPRO1137 | Property | The appraiser was not licensed (Primary Value) | Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date | Please Clarify what you're referring to - Appraiser's license is active. License number: XXX License type: Certified General Appraiser Status: Active Expiration: XX/XX/XXXX | 10/23/2025 | Documentation is sufficient. Appraiser is licensed. Exception rescinded.; Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided | 10/27/2025 | D A |
| 6573428 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing verification for the existence of the business within XXX days of the. Internet search dates were not printed on the online business searches provided. Must ensure the business is active. | Document Uploaded. | 10/23/2025 | Documentation is sufficient. VOE provided. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | 10/27/2025 | 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. A |
| 6573428 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/22/2025 | 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. A |
| 6573428 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | 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. A |
| 6573429 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCRE9814 | Credit | Missing Trust Agreement | Missing Trust Agreement Missing notarized signed copy of Trust Agreement. | Document Uploaded. | 10/24/2025 | Documentation is sufficient. Trust Agreement provided. Exception resolved.; Trust Agreement Meets Guideline Requirements | 10/27/2025 | 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. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% D A |
| 6573429 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/22/2025 | 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. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% D A |
| 6573429 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | 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. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% D A |
| 6573438 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: XXX box is not checked and no HOA dues are listed on the appraisal vs XXX Rider is on the Deed of Trust. | Document Uploaded. Property is not in a XXX. Please recondition for removal of XXX rider. | 10/24/2025 | Documentation is sufficient. Updated 1008 and 1003 provided. Exception resolved.; Property/Appraisal Meets Guidelines | 10/27/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 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% A |
| 6573438 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 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% A |
| 6573438 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 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% A |
| 6573442 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing documentation for the XXX expense on borrower's departing property, XXX XXX, that is listed on the Final 1003. Mortgage Statement in file reflects the mortgage payment includes the taxes and insurance. | Document Uploaded. | 10/23/2025 | Documentation is sufficient. Updated 1003 provided. Exception resolved.; Income and Employment Meet Guidelines | 10/27/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6573442 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/22/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6573442 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6573449 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCRE2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX. Loan approval in file loan program DSCR >=XXX%. Audit DSCR is XXX%. XXX calculated rent $XX/XX/XXXX PITIA = XXX. Audited calc less than Guideline minimum requirements. | Document Uploaded. | 10/23/2025 | Documentation is sufficient. Updated approval provided. Exception resolved.; Qualifying DSCR meets Guidelines | 10/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573449 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573449 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573281 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Rescinded | FCRE3581 | Credit | Profit and Loss Does Not Meet Guidelines | P&L Statement, XXX., is dated, XX/XX/XXXX, a period of XX/XX/XXXX months. Guidelines State qualifying income is based on the recent XXX month P&L, not exceeding more than XXX days old prior to the , XXX. A required XXX month period P&L Statement(XX/XX/XXXX) is missing from the loan file. Other conditions may apply. | This is an overreach. The spirit of the guideline is XXX months, we are talking about one day. | 10/24/2025 | Documentation is sufficient. P & L in file is XXX. Exception rescinded. | 10/27/2025 | A |
| 6573281 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/23/2025 | 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 A |
| 6573281 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/23/2025 | 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 A |
| 6573286 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCRE1443 | Credit | Asset 2 Expired | Asset 2 Expired Missing an updated Statement for the XXX. Date prepared was XX/XX/XXXX greater than XXX days. | Document Uploaded. as of XX/XX/XXXX | 10/27/2025 | Documentation is sufficient. Asset Statement provided. Exception resolved.; Asset 2 Not Expired Or XXX | 10/28/2025 | C A |
| 6573286 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/23/2025 | C A |
| 6573286 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/23/2025 | C A |
| 6573291 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCRE1253 | Credit | Missing Property Tax Cert | Missing Property Tax Cert Missing property tax bill for subject property XXX calc of XXX per month by Orig uw. Current tax bill on file nearly half. Refinance, not a XXX. | Document Uploaded. | 10/24/2025 | Documentation is sufficient. Explanation provided is XXX. XXX XXX price calculation should be used. Exception resolved.; Property Tax Cert Provided | 10/27/2025 | 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. A |
| 6573291 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/23/2025 | 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. A |
| 6573291 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/23/2025 | 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. A |
| 6573303 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Final 1003 is missing Borrower 2 Current address on page XXX of the application. | Document Uploaded. | 10/27/2025 | Documentation is sufficient. Updated 1003 provided. Exception resolved.; The Final 1003 is Present | 10/28/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% D A |
| 6573303 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of PITIA for the property listed on the Final 1003 at XXX XXX | Document Uploaded. ; This is not required, per GLs. Additional Financed REO – when the borrower owns any additional financed property(ies) the minimum reserve requirement is XXX XXX months of the subject property's PITIA. If the subject transaction loan amount requires a minimum nine XXX months reserves then the requirement is automatically increased to match the same nine XXX months subject PITIA requirement. The reserve calculation is based on the subject property's PITIA – not the additional financed REO. Note: Any other characteristics of the transaction that require additional reserves (i., Departing Residence or Non-Occupying Co-Borrowers) are still required on top of the Additional Financed REO reserve requirement. | 10/27/2025 | Documentation is sufficient. Updated 1003 provided. Exception resolved.; Verification of PITIA is required for DTI purposes. Exception remains. | 10/28/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% D A |
| 6573303 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% D A |
| 6573303 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% D A |
| 6573342 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Rescinded | FCRE1174 | Credit | HO6 Master Insurance Policy is Partial | HO-6 Master Insurance Policy Partially Provided Master XXX Policy is missing minimum liability Coverage of XXX million. | Document Uploaded. Coverage is over XXX million- please clarify what you need. | 10/24/2025 | Documentation is sufficient. Policy in file has acceptable coverage. Exception rescinded.; HO-6 Master Insurance Policy is fully present; HO-6 Master Insurance Policy Partially Provided | 10/27/2025 | A |
| 6573342 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/23/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573342 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/23/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573408 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue XXX XXX was deeded off of the title. Confirm if anything is due for deeding him off of title. Required per lender final approval. | Document Uploaded. Deed States dollar amount. | 10/27/2025 | Documentation is sufficient. Deed provided. Exception resolved.; Property Title Issue Resolved | 10/28/2025 | C A |
| 6573408 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. XXX was deeded off of the title. Confirm if anything is due for deeding him off of title. Required per final lender approval. | rescind | 10/27/2025 | Informational | 10/27/2025 | C A |
| 6573408 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | rescind | 10/27/2025 | Informational | 10/27/2025 | C A |
| 6573410 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing supporting documentation for the subject properties monthly HOA escrow. | Document Uploaded. ; Please send back to us. ; NO HOA on XXX appraisal or documentation and no HOAs have been escrowed on the CD. Please rescind. | 10/29/2025 | Documentation is sufficient. Updated appraisal provided. Exception resolved.; ; Missing supporting HOA documentation. Exception remains. | 10/30/2025 | 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 D A |
| 6573410 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FPRO3678 | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Appraisal report is missing information regarding the XXX. Appraiser to address whether the subject is in a XXX. | Document Uploaded. ; please send back to us - we will be updating the appraisal. ; Document Uploaded. ; rescind | 10/29/2025 | Documentation is sufficient. Updated appraisal provided. Exception resolved.; The issue with the property has been resolved.; Updated appraisal required. Exception remains. | 10/30/2025 | 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 D A |
| 6573410 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCRE1479 | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Missing acceptable documentation to source the XXX deposit into XXX #XXX dated XX/XX/XXXX. XXX account #XXX does not show that XXX is an account holder. | Document Uploaded. | 10/27/2025 | Documentation is sufficient. Account information provided. Exception resolved.; Asset Record XXX Meets G/L Requirements | 10/28/2025 | 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 D A |
| 6573410 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | rescind | 10/27/2025 | Informational | 10/27/2025 | 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 D A |
| 6573424 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCRE9992 | Credit | Borrower Contributions Do Not Met Guideline Minimum | Borrower minimum contribution of XXX not met. | BORR EARNEST MONEY XXX CTC XXX = XXX SEE LINES: XXX FOR EM GIFT FUNDS XXX TOTAL XXX | 10/27/2025 | Documentation is sufficient. Explanation is acceptable. Exception resolved. | 10/28/2025 | C A |
| 6573424 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | rescind | 10/27/2025 | Informational | 10/27/2025 | C A |
| 6573424 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | rescind | 10/27/2025 | Informational | 10/27/2025 | C A |
| 6573275 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing the #XXX XX/XX/XXXX bank Statement used for income calculation. Income subject to recalculation. | Document Uploaded. | 10/27/2025 | Documentation is sufficient. Bank Statement provided. Exception resolved.; Income and Employment Meet Guidelines | 10/28/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| 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 XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6573275 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | rescind | 10/27/2025 | Informational | 10/27/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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 XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6573275 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | rescind | 10/27/2025 | Informational | 10/27/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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 XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6573285 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing the HOA dues for the properties at XXX XXX and XXX XXX. Web search identifies that these properties require HOA dues. | Document Uploaded. | 10/28/2025 | Documentation is sufficient. Updated 1008 and 1003. No HOA for non-subject properties. Exception resolved. | 10/29/2025 | 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 A |
| 6573285 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | rescind | 10/27/2025 | Informational | 10/27/2025 | 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 A |
| 6573285 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | rescind | 10/27/2025 | Informational | 10/27/2025 | 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 A |
| 6573313 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCRE2052 | Credit | Missing Tax Cert | Missing tax cert XXX monthly avg tax payment of $XXX. Tax bill on file monthly avg payment of XXX | Document Uploaded. Please provide your calculations and include additionals. | 10/27/2025 | Documentation is sufficient. Tax cert provided. Exception resolved. | 10/28/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 6573313 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | rescind | 10/27/2025 | Informational | 10/27/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 6573313 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | rescind | 10/27/2025 | Informational | 10/27/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 6573330 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/27/2025 | 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. A |
| 6573330 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/27/2025 | 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. A |
| 6573330 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/27/2025 | 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. A |
| 6573341 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/27/2025 | 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 XX/XX/XXXX years on job. A |
| 6573341 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/27/2025 | 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 XX/XX/XXXX years on job. A |
| 6573341 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/27/2025 | 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 XX/XX/XXXX years on job. A |
| 6573375 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573375 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573375 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573378 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing monthly PITIA for the properties at XXX and XXX XXX and the monthly insurance escrow for XXX XXX. Letter of Explanation from borrower indicated the XXX additional properties XXX and XXX XXX which were not on the Final 1003. | I only saw one property on XXX listed on this LOE? | 10/28/2025 | Documentation is sufficient. REO owned by LLC. Do not need to include. Exception resolved. | 10/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. A |
| 6573378 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Final 1003 is missing the following properties XXX XXX and documentation of the pitia if updates are required. | Document Uploaded. | 10/28/2025 | Documentation is sufficient. Explanation provided. REO in LLC. Exception resolved.; The Final 1003 is Present | 10/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. A |
| 6573378 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing a copy of the mortgage Statement NR/SMS/CAL #XXX to verify which property this is tied to and to complete the audit. | Document Uploaded. | 10/28/2025 | Documentation is sufficient. Explanation provided, REO in LLC. Exception resolved.; Housing History Meets Guideline Requirements | 10/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. A |
| 6573378 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. A |
| 6573378 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. A |
| 6573379 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Rescinded | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Missing rent loss coverage - guideline requires XXX month rent loss coverage. | Document Uploaded. | 10/28/2025 | Documentation is sufficient. Hazard coverage and Loss of Rents coverage acceptable. Exception rescinded.; Rent Loss Coverage Present | 10/29/2025 | A |
| 6573379 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573379 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573382 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573382 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573382 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573391 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/27/2025 | 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 XX/XX/XXXX years on job. A |
| 6573391 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/27/2025 | 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 XX/XX/XXXX years on job. A |
| 6573391 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/27/2025 | 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 XX/XX/XXXX years on job. A |
| 6573411 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573411 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573411 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573416 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6573416 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573416 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573420 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/27/2025 | 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. A |
| 6573420 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/27/2025 | 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. A |
| 6573420 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement 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##XXX## §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational | 10/27/2025 | 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. A |
| 6573430 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Orig Uw hit DTI for XXX per month HOA payment on the subj property but also noted there is no HOA. Primary residence does have HOA Statement in the loan file but was included in the calculated DTI. Removing HOA from subj prop and adding HOA to primary res, slightly changes DTI but is still within guidelines. | Document Uploaded. | 10/29/2025 | Documentation is sufficient. Updated XXX provided. Exception resolved. | 10/30/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 6573430 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/28/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 6573430 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/28/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 6573434 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Rescinded | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Possible match found on XXX ov for the borrower. XXX search in file reflects borrowers name as XXX XXX vs note and identification in file reflect XXX. | Document Uploaded. | 10/28/2025 | Documentation is sufficient. Alert cleared with credit report. Exception rescinded.; All Fraud Report Alerts have been cleared or None Exist | 10/29/2025 | A |
| 6573434 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573434 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573436 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Missing complete Appraisal Report. | Document Uploaded. ; Document Uploaded. | 10/29/2025 | Documentation is sufficient. Appraisal provided. Exception resolved.; Appraisal is Present or is Waived; Please provide an appraisal for the subject property. Exception remains. | 10/30/2025 | 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% A |
| 6573436 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/27/2025 | 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% A |
| 6573436 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/27/2025 | 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% A |
| 6573447 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/27/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6573447 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/27/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6573447 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/27/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 6573450 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573450 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573450 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573455 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573455 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573455 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573459 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/27/2025 | A |
| 6573459 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/27/2025 | A |
| 6573459 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/27/2025 | A |
| 6573284 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. A |
| 6573284 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. A |
| 6573284 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. A |
| 6573352 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/27/2025 | A |
| 6573352 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/27/2025 | A |
| 6573352 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/27/2025 | A |
| 6573353 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing: Verify the existence of the business within XXX days of the and ensure the business is active with one of the following: a letter from the business tax professional certifying at least XXX months of self-employment in the same business, validation from a regulatory agency or licensing bureau, or a phone listing and/or business address using XXX assistance/internet search. Needed for XXX, and XXX. Required per lender guidelines. | Document Uploaded. | 10/28/2025 | Documentation is sufficient. VOE and company search provided. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | 10/29/2025 | 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. A |
| 6573353 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/27/2025 | 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. A |
| 6573353 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/27/2025 | 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. A |
| 6573357 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCRE1482 | Credit | Asset 4 Does Not Meet Guideline Requirements | Asset 4 Does Not Meet Guideline Requirements Loan is short cash to close (-$XXX). Unable to use funds from B2 XXX XXX(b) account as they are not liquid. Per lender guidelines: If needed to close, verification that funds have been liquidated (if applicable) is required. | Document Uploaded. Cash to close did not come from this account. | 10/28/2025 | Documentation is sufficient. Explanation acceptable. Exception resolved.; Asset 4 Meets Guideline Requirements Or XXX | 10/30/2025 | C A |
| 6573357 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/27/2025 | C A |
| 6573357 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/27/2025 | C A |
| 6573381 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/27/2025 | 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 XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV 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. A |
| 6573381 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/27/2025 | 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 XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV 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. A |
| 6573381 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/27/2025 | 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 XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV 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. A |
| 6573412 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/28/2025 | 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 XX/XX/XXXX years on job. A |
| 6573412 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/28/2025 | 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 XX/XX/XXXX years on job. A |
| 6573412 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/28/2025 | 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 XX/XX/XXXX years on job. A |
| 6573414 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/28/2025 | 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. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6573414 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/28/2025 | 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. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6573414 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/28/2025 | 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. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6573426 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | finding-3352 | Compliance | 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##XXX## §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met |  |  | Informational | 10/28/2025 | 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% A |
| 6573426 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/28/2025 | 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% A |
| 6573426 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/28/2025 | 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% A |
| 6573427 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573427 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573427 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573443 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage - All Investment property require rent loss coverage, which is missing form policy. | Document Uploaded. | 10/29/2025 | Documentation is sufficient. No rental income used. Rent-loss coverage not required. Exception resolved.; Rent Loss Coverage Present | 10/30/2025 | 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% A |
| 6573443 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing verification of borrower's new primary residence PITIA located at XXX XXX. Cannot utilizing subject property prior PITIA to calculate an accurate DTI percentage. | Document Uploaded. | 10/29/2025 | Documentation is sufficient. Explanation acceptable. Exception resolved. | 10/30/2025 | 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% A |
| 6573443 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/28/2025 | 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% A |
| 6573443 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/28/2025 | 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% A |
| 6573453 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/28/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573453 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/28/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573453 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/28/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573458 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/28/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6573458 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/28/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6573458 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/28/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6573468 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCRE2371 | Credit | Missing final HUD-1 from sale of non-subject property | Missing final HUD for sale of property XXX XXX. Final 1003 shows XXX in assets were used from the sale. | Document Uploaded. | 10/29/2025 | Documentation is sufficient. Explanation acceptable. Exception resolved. | 10/30/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 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% A |
| 6573468 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/28/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 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% A |
| 6573468 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/28/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of 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% A |
| 6573292 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/28/2025 | 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. A |
| 6573292 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/28/2025 | 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. A |
| 6573292 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/28/2025 | 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. A |
| 6573318 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573318 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573318 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573328 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/28/2025 | A |
| 6573328 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/28/2025 | A |
| 6573328 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/28/2025 | A |
| 6573333 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573333 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | Orig uw applied duplicate estimate HOI ($XXX)/Taxes XXX to Primary Res in XXX review. Does not hit against DTI or guidelines The loan meets all applicable credit guidelines. |  |  | Informational | 10/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573333 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573339 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/28/2025 | 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 A |
| 6573339 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/28/2025 | 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 A |
| 6573339 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/28/2025 | 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 A |
| 6573348 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Provide Loan approval that is missing from loan file. | Document Uploaded. | 10/29/2025 | Documentation is sufficient. Approval provided. Exception resolved.; Approval/Underwriting Summary is fully present | 10/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573348 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573348 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573360 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573360 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573360 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573361 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6573361 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573361 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573362 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573362 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573362 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573368 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/28/2025 | A |
| 6573368 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/28/2025 | A |
| 6573368 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/28/2025 | A |
| 6573370 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/29/2025 | 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 A |
| 6573370 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/29/2025 | 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 A |
| 6573370 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | finding-3352 | Compliance | 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##XXX## §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | 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 A |
| 6573374 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573374 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573374 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 6573392 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6573392 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6573392 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6573394 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6573394 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6573394 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6573404 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | 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. A |
| 6573404 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | 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. A |
| 6573404 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | 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. A |
| 6573409 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% A |
| 6573409 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | Original LTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated C##XXX## is less than Guideline C##XXX## A |
| 6573409 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | Original LTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated C##XXX## is less than Guideline C##XXX## A |
| 6573415 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/29/2025 | 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 \| Original CLTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| Original LTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## A |
| 6573415 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/29/2025 | 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 \| Original CLTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| Original LTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## A |
| 6573415 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | 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 \| Original CLTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| Original LTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## A |
| 6573419 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | A |
| 6573419 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | A |
| 6573419 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | A |
| 6573439 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##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% \| Original CLTV is Below the Guideline Maximum - Calculated C##XXX## is less than Guideline C##XXX## A |
| 6573439 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##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% \| Original CLTV is Below the Guideline Maximum - Calculated C##XXX## is less than Guideline C##XXX## A |
| 6573439 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##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% \| Original CLTV is Below the Guideline Maximum - Calculated C##XXX## is less than Guideline C##XXX## A |
| 6573446 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement 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##XXX## §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | 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% A |
| 6573446 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | 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% A |
| 6573446 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | 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% A |
| 6573460 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | A |
| 6573460 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | A |
| 6573460 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | A |
| 6573461 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational ; Informational ; Informational | 10/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| Original LTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## A |
| 6573461 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational ; Informational ; Informational | 10/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| Original LTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## A |
| 6573461 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational ; Informational ; Informational | 10/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| Original LTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## A |
| 6573466 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | A |
| 6573466 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | A |
| 6573466 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | A |
| 6573469 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/29/2025 | 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% A |
| 6573469 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/29/2025 | 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% A |
| 6573469 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement 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##XXX## §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | 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% A |
| 6573470 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| Original LTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573470 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| Original LTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6573470 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| Original LTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 6494325 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/22/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: - Appraisal report general description reflects that subject property number of stories is XXX however, the property image reflects multiple stories. | Document Uploaded. I see we had a type-o on the first page. Updated appraisal, attached. ; Appraiser is stating the building is XXX levels, the unit is XXX level. This is correct. | 07/28/2025 | Documentation is sufficient. Updated Appraisal provided. Exception resolved.; Property/Appraisal Meets Guidelines | 07/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| Original LTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6494325 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/22/2025 | Resolved | FCOM1223 | Credit | The Deed of Trust is Not Executed | The Deed of Trust is Not Executed | Document Uploaded. | 07/24/2025 | Documentation is sufficient. Executed deed of Trust provided. Exception resolved.; The Deed of Trust is Executed | 07/25/2025 | Original CLTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| Original LTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6494325 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| Original LTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6494344 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/28/2025 | 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 A |
| 6494344 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/28/2025 | 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 A |
| 6494344 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/28/2025 | 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 A |
| 6539511 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/21/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: All appraisal obtained must have a desk review completed. The loan file contains one field review for one appraisal, but missing the other desk for the second appraisal. | Field is sufficient: An enhanced desk review, OR A field review or second appraisal from a XXXX is acceptable. The field review or 2nd appraisal may not be from the same appraisal company as the original report. | 08/25/2025 | Documentation is sufficient. Appraisal documentation in file is XXX. Exception resolved.; Property/Appraisal Meets Guidelines | 08/26/2025 | 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 A |
| 6539511 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/20/2025 | Acknowledged | FCRE1199 | Credit | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited Loan Amount of XXX is greater than the Guideline Maximum Loan Amount of XXX - However, the loan file contains a Lender Approved Exception allowing for the loan amount to exceed the maximum of XXX The following compensating factors were identified to justify this approval; XXX credit history, minimal use of consumer credit, significant residual income and excessive reserves. |  |  | The loan file contains a Lender Approved Exception allowing for the loan amount to exceed the maximum of XXX The following compensating factors were identified to justify this approval; XXX credit history, minimal use of consumer credit, significant residual income and excessive reserves. Exception downgraded to a level 2/B. | 08/21/2025 | 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 A |
| 6539511 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/21/2025 | 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 A |
| 6539546 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Rescinded | FCRE1481 | Credit | Asset 3 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Missing XXX% access letter for XXX #XXX, B1, as his spouse is also listed on the account. | Not required per GLs | 09/30/2025 | Documentation is sufficient. Letter not required. Exception rescinded.; Asset Record XXX Meets G/L Requirements Or XXX | 10/01/2025 | D A |
| 6539546 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing Verification of Mortgage (VOM), and a executed copy of the note for XXX with XXX as it is a private mortgage/note. | Document Uploaded. we do not need the note, we have the DOT. This documentation was in the file. | 09/30/2025 | Documentation is sufficient. Payment history provided. Exception resolved.; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 10/01/2025 | D A |
| 6539546 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCOM1223 | Credit | The Deed of Trust is Not Executed | The Deed of Trust is Not Executed Missing Executed Deed of Trust and LLC Rider. Required per lender guidelines. | Document Uploaded. | 09/30/2025 | The Deed of Trust is Executed | 10/01/2025 | D A |
| 6539546 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | Missing Operating Agreement, Tax Identification Number (TIN), Borrowing Certificate for XXX | Document Uploaded. there is not a "XXX" on this loan. are you talking about the XXX documents? Please clarify your condition. In the meantime, please review XXX documents that were in the file. | 09/30/2025 | Documentation is sufficient. Business formation docs provided. Exception resolved. | 10/01/2025 | D A |
| 6539546 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing letter of explanation for credit inquiries B1: XX/XX/XXXX Informative Research. | Document Uploaded. No inquiry necessary. Borrower completed another loan with us and this inquiry is due to that loan. I have attached the credit report. | 09/30/2025 | Documentation is sufficient. LOE and credit report provided. Exception resolved. | 10/01/2025 | D A |
| 6539546 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/29/2025 | D A |
| 6539546 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/29/2025 | D A |
| 6539633 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Notary did not enter the date that the document was signed on the notary acknowledgement. | recorded DOT attached | 09/30/2025 | Documentation is sufficient. Updated Deed of Trust provided. Exception resolved.; The Deed of Trust is Present and Complete | 10/01/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6539633 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Rescinded | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Hazard reflects Business Income with Extra Expense, not rent loss. | Document Uploaded. | 09/30/2025 | Documentation is sufficient. Rent loss coverage included in policy. Exception rescinded.; Rent Loss Coverage Present | 10/01/2025 | D A |
| 6539633 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Rescinded | FCRE7347 | Credit | Missing Lease Agreement | For subject property. | Document Uploaded. | 09/30/2025 | Documentation is sufficient. Operating Statement reflecting market rent and current rent in file. Exception rescinded. | 10/01/2025 | D A |
| 6539633 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6539633 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 6539498 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/01/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6539498 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/01/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6539498 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/01/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| 6539654 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/01/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6539654 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/01/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6539654 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/01/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6539659 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/01/2025 | A |
| 6539659 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/01/2025 | A |
| 6539659 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/01/2025 | A |
| 6539661 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/01/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6539661 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/01/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6539661 | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/01/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 3**

---

| | | |
|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Original Loan Amount** |
| 6551255 | XXX | $XXXXXX D C A |
| 6484552 | XXX | $XXXXXX D A |
| 6494318 | XXX | $XXXXXX C A |
| 6494225 | XXX | $XXXXXX C A |
| 6494348 | XXX | $XXXXXX D A B |
| 6503614 | XXX | $XXXXXX A |
| 6503788 | XXX | $XXXXXX D A |
| 6503716 | XXX | $XXXXXX A |
| 6503640 | XXX | $XXXXXX A |
| 6503611 | XXX | $XXXXXX C A |
| 6503718 | XXX | $XXXXXX D C A |
| 6503712 | XXX | $XXXXXX D C A |
| 6503657 | XXX | $XXXXXX D A |
| 6503711 | XXX | $XXXXXX D A |
| 6503767 | XXX | $XXXXXX C A |
| 6503778 | XXX | $XXXXXX D A |
| 6503624 | XXX | $XXXXXX D A |
| 6503656 | XXX | $XXXXXX A C |
| 6503616 | XXX | $XXXXXX A |
| 6503651 | XXX | $XXXXXX D A |
| 6503728 | XXX | $XXXXXX D A |
| 6503724 | XXX | $XXXXXX A |
| 6503757 | XXX | $XXXXXX C A B |
| 6503615 | XXX | $XXXXXX D A |
| 6503693 | XXX | $XXXXXX D A |
| 6503655 | XXX | $XXXXXX A C |
| 6503709 | XXX | $XXXXXX D A |
| 6503632 | XXX | $XXXXXX D A |
| 6503699 | XXX | $XXXXXX A C |
| 6503758 | XXX | $XXXXXX A |
| 6503751 | XXX | $XXXXXX A |
| 6503669 | XXX | $XXXXXX A |
| 6503752 | XXX | $XXXXXX A |
| 6503633 | XXX | $XXXXXX A |
| 6503742 | XXX | $XXXXXX A |
| 6503755 | XXX | $XXXXXX A |
| 6503658 | XXX | $XXXXXX A C |
| 6503775 | XXX | $XXXXXX A |
| 6503635 | XXX | $XXXXXX A |
| 6503627 | XXX | $XXXXXX A |
| 6503646 | XXX | $XXXXXX A |
| 6503664 | XXX | $XXXXXX A |
| 6503791 | XXX | $XXXXXX A |
| 6503629 | XXX | $XXXXXX A |
| 6503665 | XXX | $XXXXXX A |
| 6503738 | XXX | $XXXXXX D A |
| 6503690 | XXX | $XXXXXX A |
| 6503652 | XXX | $XXXXXX A |
| 6503704 | XXX | $XXXXXX A |
| 6503684 | XXX | $XXXXXX D A B |
| 6503659 | XXX | $XXXXXX A |
| 6503715 | XXX | $XXXXXX D A |
| 6503681 | XXX | $XXXXXX A |
| 6503762 | XXX | $XXXXXX A |
| 6503634 | XXX | $XXXXXX A |
| 6503741 | XXX | $XXXXXX A |
| 6503740 | XXX | $XXXXXX A |
| 6503683 | XXX | $XXXXXX A |
| 6503631 | XXX | $XXXXXX A |
| 6503642 | XXX | $XXXXXX A |
| 6503641 | XXX | $XXXXXX A |
| 6503621 | XXX | $XXXXXX C A |
| 6503700 | XXX | $XXXXXX D C A |
| 6503675 | XXX | $XXXXXX D A |
| 6503613 | XXX | $XXXXXX D A |
| 6503650 | XXX | $XXXXXX D A |
| 6503706 | XXX | $XXXXXX D A |
| 6573315 | XXX | $XXXXXX A C B |
| 6573274 | XXX | $XXXXXX A |
| 6573276 | XXX | $XXXXXX A |
| 6573289 | XXX | $XXXXXX A |
| 6573304 | XXX | $XXXXXX A |
| 6573307 | XXX | $XXXXXX A |
| 6573309 | XXX | $XXXXXX A |
| 6573320 | XXX | $XXXXXX A |
| 6573324 | XXX | $XXXXXX A |
| 6573338 | XXX | $XXXXXX A |
| 6573344 | XXX | $XXXXXX A |
| 6573350 | XXX | $XXXXXX A |
| 6573351 | XXX | $XXXXXX D A |
| 6573354 | XXX | $XXXXXX C A |
| 6573364 | XXX | $XXXXXX A |
| 6573366 | XXX | $XXXXXX C A |
| 6573377 | XXX | $XXXXXX A |
| 6573432 | XXX | $XXXXXX A |
| 6573457 | XXX | $XXXXXX A |
| 6573279 | XXX | $XXXXXX A |
| 6573283 | XXX | $XXXXXX A C B |
| 6573293 | XXX | $XXXXXX A |
| 6573297 | XXX | $XXXXXX D A |
| 6573298 | XXX | $XXXXXX A |
| 6573305 | XXX | $XXXXXX A |
| 6573308 | XXX | $XXXXXX D A |
| 6573326 | XXX | $XXXXXX A |
| 6573335 | XXX | $XXXXXX A |
| 6573340 | XXX | $XXXXXX A |
| 6573347 | XXX | $XXXXXX A |
| 6573349 | XXX | $XXXXXX A |
| 6573400 | XXX | $XXXXXX D A |
| 6573406 | XXX | $XXXXXX A |
| 6573425 | XXX | $XXXXXX A |
| 6573437 | XXX | $XXXXXX A |
| 6573462 | XXX | $XXXXXX A |
| 6573277 | XXX | $XXXXXX A |
| 6573299 | XXX | $XXXXXX A |
| 6573310 | XXX | $XXXXXX A |
| 6573311 | XXX | $XXXXXX A |
| 6573314 | XXX | $XXXXXX D C A |
| 6573327 | XXX | $XXXXXX A |
| 6573332 | XXX | $XXXXXX A |
| 6573334 | XXX | $XXXXXX C A |
| 6573336 | XXX | $XXXXXX A |
| 6573346 | XXX | $XXXXXX A |
| 6573369 | XXX | $XXXXXX D A |
| 6573385 | XXX | $XXXXXX A |
| 6573386 | XXX | $XXXXXX A |
| 6573387 | XXX | $XXXXXX A |
| 6573388 | XXX | $XXXXXX A |
| 6573401 | XXX | $XXXXXX B A |
| 6573421 | XXX | $XXXXXX D A |
| 6573433 | XXX | $XXXXXX A |
| 6573444 | XXX | $XXXXXX A |
| 6573280 | XXX | $XXXXXX A |
| 6573288 | XXX | $XXXXXX A |
| 6573312 | XXX | $XXXXXX A |
| 6573343 | XXX | $XXXXXX A |
| 6573345 | XXX | $XXXXXX A |
| 6573355 | XXX | $XXXXXX A |
| 6573399 | XXX | $XXXXXX A |
| 6573403 | XXX | $XXXXXX A |
| 6573417 | XXX | $XXXXXX A |
| 6573423 | XXX | $XXXXXX A |
| 6573440 | XXX | $XXXXXX A |
| 6573451 | XXX | $XXXXXX A |
| 6573456 | XXX | $XXXXXX A |
| 6573465 | XXX | $XXXXXX A |
| 6573278 | XXX | $XXXXXX A |
| 6573282 | XXX | $XXXXXX A |
| 6573295 | XXX | $XXXXXX A |
| 6573306 | XXX | $XXXXXX A |
| 6573316 | XXX | $XXXXXX A |
| 6573317 | XXX | $XXXXXX A |
| 6573321 | XXX | $XXXXXX A |
| 6573322 | XXX | $XXXXXX A |
| 6573323 | XXX | $XXXXXX A |
| 6573363 | XXX | $XXXXXX A |
| 6573371 | XXX | $XXXXXX A |
| 6573372 | XXX | $XXXXXX A |
| 6573376 | XXX | $XXXXXX A |
| 6573384 | XXX | $XXXXXX A |
| 6573389 | XXX | $XXXXXX A |
| 6573395 | XXX | $XXXXXX A |
| 6573396 | XXX | $XXXXXX A |
| 6573397 | XXX | $XXXXXX A |
| 6573398 | XXX | $XXXXXX A |
| 6573405 | XXX | $XXXXXX A |
| 6573435 | XXX | $XXXXXX A |
| 6573448 | XXX | $XXXXXX A |
| 6573463 | XXX | $XXXXXX A |
| 6573290 | XXX | $XXXXXX A |
| 6573294 | XXX | $XXXXXX A |
| 6573296 | XXX | $XXXXXX A |
| 6573367 | XXX | $XXXXXX C A |
| 6573300 | XXX | $XXXXXX C A |
| 6573356 | XXX | $XXXXXX C A |
| 6573319 | XXX | $XXXXXX D A |
| 6573329 | XXX | $XXXXXX A |
| 6573359 | XXX | $XXXXXX D A |
| 6573365 | XXX | $XXXXXX A |
| 6573383 | XXX | $XXXXXX C A |
| 6573407 | XXX | $XXXXXX D A |
| 6573413 | XXX | $XXXXXX D A |
| 6573422 | XXX | $XXXXXX D A |
| 6573428 | XXX | $XXXXXX D A |
| 6573429 | XXX | $XXXXXX D A |
| 6573438 | XXX | $XXXXXX A C |
| 6573442 | XXX | $XXXXXX C A |
| 6573449 | XXX | $XXXXXX C A |
| 6573281 | XXX | $XXXXXX A |
| 6573286 | XXX | $XXXXXX C A |
| 6573291 | XXX | $XXXXXX C A |
| 6573303 | XXX | $XXXXXX D A |
| 6573342 | XXX | $XXXXXX A |
| 6573408 | XXX | $XXXXXX C A |
| 6573410 | XXX | $XXXXXX D A C |
| 6573424 | XXX | $XXXXXX C A |
| 6573275 | XXX | $XXXXXX C A |
| 6573285 | XXX | $XXXXXX D A |
| 6573313 | XXX | $XXXXXX D A |
| 6573330 | XXX | $XXXXXX A |
| 6573341 | XXX | $XXXXXX A |
| 6573375 | XXX | $XXXXXX A |
| 6573378 | XXX | $XXXXXX D A |
| 6573379 | XXX | $XXXXXX A |
| 6573382 | XXX | $XXXXXX A |
| 6573391 | XXX | $XXXXXX A |
| 6573411 | XXX | $XXXXXX A |
| 6573416 | XXX | $XXXXXX A |
| 6573420 | XXX | $XXXXXX A |
| 6573430 | XXX | $XXXXXX D A |
| 6573434 | XXX | $XXXXXX A |
| 6573436 | XXX | $XXXXXX A D |
| 6573447 | XXX | $XXXXXX A |
| 6573450 | XXX | $XXXXXX A |
| 6573455 | XXX | $XXXXXX A |
| 6573459 | XXX | $XXXXXX A |
| 6573284 | XXX | $XXXXXX A |
| 6573352 | XXX | $XXXXXX A |
| 6573353 | XXX | $XXXXXX D A |
| 6573357 | XXX | $XXXXXX C A |
| 6573381 | XXX | $XXXXXX A |
| 6573412 | XXX | $XXXXXX A |
| 6573414 | XXX | $XXXXXX A |
| 6573426 | XXX | $XXXXXX A |
| 6573427 | XXX | $XXXXXX A |
| 6573443 | XXX | $XXXXXX D A |
| 6573453 | XXX | $XXXXXX A |
| 6573458 | XXX | $XXXXXX A |
| 6573468 | XXX | $XXXXXX D A |
| 6573292 | XXX | $XXXXXX A |
| 6573318 | XXX | $XXXXXX A |
| 6573328 | XXX | $XXXXXX A |
| 6573333 | XXX | $XXXXXX A |
| 6573339 | XXX | $XXXXXX A |
| 6573348 | XXX | $XXXXXX B A |
| 6573360 | XXX | $XXXXXX A |
| 6573361 | XXX | $XXXXXX A |
| 6573362 | XXX | $XXXXXX A |
| 6573368 | XXX | $XXXXXX A |
| 6573370 | XXX | $XXXXXX A |
| 6573374 | XXX | $XXXXXX A |
| 6573392 | XXX | $XXXXXX A |
| 6573394 | XXX | $XXXXXX A |
| 6573404 | XXX | $XXXXXX A |
| 6573409 | XXX | $XXXXXX A |
| 6573415 | XXX | $XXXXXX A |
| 6573419 | XXX | $XXXXXX A |
| 6573439 | XXX | $XXXXXX A |
| 6573446 | XXX | $XXXXXX A |
| 6573460 | XXX | $XXXXXX A |
| 6573461 | XXX | $XXXXXX A |
| 6573466 | XXX | $XXXXXX A |
| 6573469 | XXX | $XXXXXX A |
| 6573470 | XXX | $XXXXXX A |
| 6573373 | XXX | $XXXXXX D A C |
| 6573390 | XXX | $XXXXXX D A |
| 6573454 | XXX | $XXXXXX D A |
| 6573418 | XXX | $XXXXXX D A |
| 6573431 | XXX | $XXXXXX D A |
| 6573441 | XXX | $XXXXXX D A |
| 6573452 | XXX | $XXXXXX D A |
| 6573337 | XXX | $XXXXXX D A |
| 6573402 | XXX | $XXXXXX A C |
| 6573358 | XXX | $XXXXXX D A |
| 6573445 | XXX | $XXXXXX D A |
| 6573467 | XXX | $XXXXXX D C A |
| 6539500 | XXX | $XXXXXX D A |
| 6539517 | XXX | $XXXXXX A |
| 6539513 | XXX | $XXXXXX A |
| 6539535 | XXX | $XXXXXX A |
| 6539550 | XXX | $XXXXXX C A |
| 6539484 | XXX | $XXXXXX A |
| 6539492 | XXX | $XXXXXX A |
| 6539494 | XXX | $XXXXXX A |
| 6539515 | XXX | $XXXXXX A |
| 6539525 | XXX | $XXXXXX A |
| 6539531 | XXX | $XXXXXX A |
| 6539534 | XXX | $XXXXXX A |
| 6539547 | XXX | $XXXXXX A |
| 6539548 | XXX | $XXXXXX D A |
| 6539560 | XXX | $XXXXXX A |
| 6539565 | XXX | $XXXXXX A |
| 6539566 | XXX | $XXXXXX D A |
| 6539568 | XXX | $XXXXXX A |
| 6539573 | XXX | $XXXXXX A |
| 6539576 | XXX | $XXXXXX A |
| 6539579 | XXX | $XXXXXX A |
| 6539597 | XXX | $XXXXXX A |
| 6539600 | XXX | $XXXXXX A |
| 6539605 | XXX | $XXXXXX A |
| 6539625 | XXX | $XXXXXX A C |
| 6539626 | XXX | $XXXXXX A |
| 6539651 | XXX | $XXXXXX A |
| 6539489 | XXX | $XXXXXX A |
| 6539505 | XXX | $XXXXXX A |
| 6539512 | XXX | $XXXXXX A |
| 6539527 | XXX | $XXXXXX A |
| 6539533 | XXX | $XXXXXX A |
| 6539554 | XXX | $XXXXXX A |
| 6539557 | XXX | $XXXXXX C A |
| 6539567 | XXX | $XXXXXX A |
| 6539584 | XXX | $XXXXXX A |
| 6539591 | XXX | $XXXXXX A |
| 6539599 | XXX | $XXXXXX A |
| 6539616 | XXX | $XXXXXX A C |
| 6539623 | XXX | $XXXXXX A |
| 6539631 | XXX | $XXXXXX C A |
| 6539476 | XXX | $XXXXXX A |
| 6539483 | XXX | $XXXXXX A |
| 6539485 | XXX | $XXXXXX A |
| 6539487 | XXX | $XXXXXX A |
| 6539499 | XXX | $XXXXXX A |
| 6539555 | XXX | $XXXXXX A |
| 6539577 | XXX | $XXXXXX A |
| 6539583 | XXX | $XXXXXX A C |
| 6539588 | XXX | $XXXXXX A |
| 6539593 | XXX | $XXXXXX A |
| 6539596 | XXX | $XXXXXX A |
| 6539608 | XXX | $XXXXXX A |
| 6539627 | XXX | $XXXXXX A |
| 6539630 | XXX | $XXXXXX A |
| 6539639 | XXX | $XXXXXX A |
| 6539662 | XXX | $XXXXXX A |
| 6539670 | XXX | $XXXXXX A |
| 6539478 | XXX | $XXXXXX A |
| 6539481 | XXX | $XXXXXX A |
| 6539490 | XXX | $XXXXXX A |
| 6539491 | XXX | $XXXXXX A |
| 6539501 | XXX | $XXXXXX A |
| 6539507 | XXX | $XXXXXX A |
| 6539521 | XXX | $XXXXXX A |
| 6539530 | XXX | $XXXXXX A |
| 6539545 | XXX | $XXXXXX A C |
| 6539552 | XXX | $XXXXXX A |
| 6539589 | XXX | $XXXXXX A |
| 6539602 | XXX | $XXXXXX A |
| 6539619 | XXX | $XXXXXX A |
| 6539620 | XXX | $XXXXXX A |
| 6539624 | XXX | $XXXXXX A |
| 6539649 | XXX | $XXXXXX A |
| 6539511 | XXX | $XXXXXX C A B |
| 6539546 | XXX | $XXXXXX D A |
| 6539633 | XXX | $XXXXXX D A |
| 6539498 | XXX | $XXXXXX A |
| 6539654 | XXX | $XXXXXX A |
| 6539659 | XXX | $XXXXXX A |
| 6539661 | XXX | $XXXXXX A |
| 6539674 | XXX | $XXXXXX A |
| 6539514 | XXX | $XXXXXX A |
| 6539571 | XXX | $XXXXXX A |
| 6539585 | XXX | $XXXXXX A |
| 6539610 | XXX | $XXXXXX A |
| 6539611 | XXX | $XXXXXX A |
| 6539640 | XXX | $XXXXXX A |
| 6539646 | XXX | $XXXXXX A |
| 6539678 | XXX | $XXXXXX A |
| 6539582 | XXX | $XXXXXX D A |
| 6539574 | XXX | $XXXXXX A |
| 6539601 | XXX | $XXXXXX C A |
| 6539615 | XXX | $XXXXXX A |
| 6539648 | XXX | $XXXXXX C A |
| 6539475 | XXX | $XXXXXX A |
| 6539634 | XXX | $XXXXXX A |
| 6539644 | XXX | $XXXXXX A |
| 6539473 | XXX | $XXXXXX A |
| 6539519 | XXX | $XXXXXX A |
| 6539522 | XXX | $XXXXXX A |
| 6539523 | XXX | $XXXXXX A |
| 6539529 | XXX | $XXXXXX B A |
| 6539580 | XXX | $XXXXXX B A |
| 6539617 | XXX | $XXXXXX A |
| 6539594 | XXX | $XXXXXX C D A |
| 6539598 | XXX | $XXXXXX C A |
| 6539647 | XXX | $XXXXXX A D |
| 6539587 | XXX | $XXXXXX A B |
| 6539635 | XXX | $XXXXXX C A |
| 6539645 | XXX | $XXXXXX D A |
| 6539495 | XXX | $XXXXXX C A B |
| 6539569 | XXX | $XXXXXX A |
| 6539570 | XXX | $XXXXXX A |
| 6539528 | XXX | $XXXXXX A |
| 6539538 | XXX | $XXXXXX A |
| 6539539 | XXX | $XXXXXX A |
| 6539540 | XXX | $XXXXXX A |
| 6539541 | XXX | $XXXXXX A |
| 6539542 | XXX | $XXXXXX A |
| 6539543 | XXX | $XXXXXX A |
| 6539544 | XXX | $XXXXXX A |
| 6539553 | XXX | $XXXXXX A |
| 6539556 | XXX | $XXXXXX A |
| 6539559 | XXX | $XXXXXX A |
| 6539561 | XXX | $XXXXXX A |
| 6539562 | XXX | $XXXXXX A |
| 6539563 | XXX | $XXXXXX A |
| 6539606 | XXX | $XXXXXX A |
| 6539628 | XXX | $XXXXXX A |
| 6539636 | XXX | $XXXXXX A |
| 6539642 | XXX | $XXXXXX A |
| 6539643 | XXX | $XXXXXX A |
| 6539663 | XXX | $XXXXXX A |
| 6539679 | XXX | $XXXXXX A |
| 6539680 | XXX | $XXXXXX A |
| 6539622 | XXX | $XXXXXX C A B |
| 6539638 | XXX | $XXXXXX C A |
| 6539486 | XXX | $XXXXXX C A |
| 6539607 | XXX | $XXXXXX D A |
| 6539526 | XXX | $XXXXXX C A B |
| 6539537 | XXX | $XXXXXX C A |
| 6539590 | XXX | $XXXXXX A |
| 6539660 | XXX | $XXXXXX C A |
| 6539474 | XXX | $XXXXXX A |
| 6539480 | XXX | $XXXXXX A |
| 6539482 | XXX | $XXXXXX A |
| 6539502 | XXX | $XXXXXX A |
| 6539516 | XXX | $XXXXXX A |
| 6539549 | XXX | $XXXXXX A |
| 6539575 | XXX | $XXXXXX A |
| 6539581 | XXX | $XXXXXX A |
| 6539595 | XXX | $XXXXXX A |
| 6539614 | XXX | $XXXXXX A |
| 6539618 | XXX | $XXXXXX A |
| 6539629 | XXX | $XXXXXX A |
| 6539632 | XXX | $XXXXXX A |
| 6539650 | XXX | $XXXXXX A |
| 6539664 | XXX | $XXXXXX A |
| 6539665 | XXX | $XXXXXX A |
| 6539667 | XXX | $XXXXXX A |
| 6539671 | XXX | $XXXXXX A |
| 6539673 | XXX | $XXXXXX A |
| 6539508 | XXX | $XXXXXX D A |
| 6539572 | XXX | $XXXXXX C A |
| 6539564 | XXX | $XXXXXX B A |
| 6539612 | XXX | $XXXXXX D A |
| 6539503 | XXX | $XXXXXX D A |
| 6539558 | XXX | $XXXXXX D A |
| 6539532 | XXX | $XXXXXX C A |
| 6539479 | XXX | $XXXXXX D A |
| 6539669 | XXX | $XXXXXX C A |
| 6539477 | XXX | $XXXXXX A |
| 6539488 | XXX | $XXXXXX A |
| 6539493 | XXX | $XXXXXX A |
| 6539496 | XXX | $XXXXXX A |
| 6539497 | XXX | $XXXXXX A |
| 6539504 | XXX | $XXXXXX A |
| 6539518 | XXX | $XXXXXX A |
| 6539524 | XXX | $XXXXXX A |
| 6539536 | XXX | $XXXXXX A |
| 6539586 | XXX | $XXXXXX A |
| 6539603 | XXX | $XXXXXX A |
| 6539621 | XXX | $XXXXXX A |
| 6539641 | XXX | $XXXXXX A |
| 6539653 | XXX | $XXXXXX A |
| 6539655 | XXX | $XXXXXX A |
| 6539656 | XXX | $XXXXXX A |
| 6539658 | XXX | $XXXXXX A |
| 6539666 | XXX | $XXXXXX A |
| 6539668 | XXX | $XXXXXX A |
| 6539676 | XXX | $XXXXXX A |
| 6539677 | XXX | $XXXXXX A |
| 6539681 | XXX | $XXXXXX A |
| 6539613 | XXX | $XXXXXX D A |
| 6539652 | XXX | $XXXXXX A C |
| 6539551 | XXX | $XXXXXX C A |
| 6539578 | XXX | $XXXXXX D A |
| 6539672 | XXX | $XXXXXX C A |
| 6539637 | XXX | $XXXXXX D A C |
| 6539509 | XXX | $XXXXXX C A |
| 6539604 | XXX | $XXXXXX D A |
| 6539657 | XXX | $XXXXXX A |
| 6539609 | XXX | $XXXXXX C A |
| 6539675 | XXX | $XXXXXX C A |
| 6539520 | XXX | $XXXXXX D A |
| 6494325 | XXX | $XXXXXX D A C |
| 6494344 | XXX | $XXXXXX A |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller 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** |
| 6551255 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 6484552 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.63 | 74.63 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | $XXX | $XXX | .0782 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0782 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 6494318 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 6494225 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.45 | 68.45 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 6494348 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.62 | 47.62 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 6503614 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6503788 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.59 | 73.59 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 6503716 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 6503640 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.69 | 57.69 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6503611 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 31.7 | 31.7 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 6503718 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 6503712 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 55.56 | 55.56 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6503657 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 49.09 | 49.09 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.5 |  |
| 6503711 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 6503767 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.19 | 72.19 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6503778 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 36.04 | 36.04 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6503624 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6503656 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 6503616 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 6503651 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6503728 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6503724 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 42.55 | 42.55 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6503757 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.77 | 69.77 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6503615 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.1 |  |
| 6503693 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.45 | 57.45 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0617 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0617 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 6503655 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 35.25 | 35.25 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6503709 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 55.0 | 55.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.1 |  |
| 6503632 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 6503699 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 6503758 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6503751 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 43.67 | 43.67 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 6503669 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 56.91 | 56.91 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | -.8439 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6503752 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0178 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0178 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6503633 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0045 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0045 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6503742 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0489 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0489 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 6503755 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.0 | 55.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 6503658 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 6503775 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.0 | 74.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6503635 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.99 | 79.99 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6503627 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 6503646 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 6503664 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6503791 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6503629 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| 6503665 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.51 | 75.51 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 6503738 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 48.72 | 48.72 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 6503690 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6503652 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6503704 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 6503684 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 6503659 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6503715 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 16.36 | 16.36 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6503681 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 6503762 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 32.63 | 32.63 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6503634 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.36 | 70.36 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 6503741 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 52.46 | 52.46 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 6503740 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.69 | 52.69 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 6503683 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 6503631 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.48 | 47.48 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6503642 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 6503641 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 79.99 | 79.99 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6503621 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 6503700 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.72 | 68.72 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6503675 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6503613 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.71 | 78.71 | $XXX | $XXX | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .000 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 6503650 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 6503706 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6573315 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573274 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 6573276 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.67 | 66.67 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573289 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 6573304 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 23.53 | 23.53 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 6573307 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.98 | 79.98 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 6573309 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6573320 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 6573324 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 42.59 | 42.59 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 6573338 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0517 | XX/XX/XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | $XXX | $XXX | -.8948 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6573344 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 48.28 | 48.28 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 6573350 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 6573351 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 44.12 | 44.12 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 6573354 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 6573364 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.97 | 79.97 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573366 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 6573377 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 6573432 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6573457 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 6573279 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 43.49 | 43.49 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 6573283 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.0 | 55.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 6573293 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 6573297 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 48.23 | 48.23 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0081 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 0.80% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 6573298 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0625 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 6573305 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573308 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.69 | 67.69 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 6573326 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 6573335 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 79.59 | 79.59 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 6573340 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.23 | 67.23 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573347 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.38 | 76.38 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6573349 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573400 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6573406 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.18 | 61.18 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0195 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6573425 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 6573437 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.61 | 79.61 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573462 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 6573277 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.54 | 71.54 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573299 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.71 | 72.71 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 6573310 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.97 | 69.97 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 6573311 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6573314 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6573327 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6573332 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6573334 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6573336 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 6573346 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0033 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0033 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 6573369 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573385 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 6573386 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573387 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573388 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6573401 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573421 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 29.17 | 29.17 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6573433 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6573444 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 56.96 | 56.96 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573280 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0037 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0037 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 6573288 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0029 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 0.29% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 6573312 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573343 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 6573345 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573355 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573399 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 6573403 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.18 | 64.18 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 6573417 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6573423 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6573440 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 6573451 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.97 | 68.97 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 6573456 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573465 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573278 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6573282 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.65 | 63.65 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573295 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573306 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6573316 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.58 | 69.58 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 6573317 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0571 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0571 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 6573321 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.37 | 70.37 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 6573322 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.59 | 65.59 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573323 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 6573363 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 6573371 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573372 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6573376 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573384 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573389 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 6573395 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573396 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.23 | 63.23 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 6573397 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573398 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6573405 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6573435 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573448 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573463 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6573290 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 6573294 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.9 | 61.9 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| 6573296 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 25.32 | 25.32 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 6573367 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 6573300 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.79 | 47.79 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 6573356 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 53.76 | 53.76 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6573319 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6573329 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 6573359 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 6573365 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 6573383 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573407 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 6573413 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 6573422 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 6573428 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 6573429 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.95 | 79.95 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 6573438 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 42.03 | 42.03 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 6573442 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.3 |  |
| 6573449 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6573281 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.56 | 75.56 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 6573286 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 6573291 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 6573303 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.36 | 52.36 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 6573342 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 50.0 | 50.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 6573408 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6573410 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573424 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573275 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 61.82 | 61.82 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573285 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 6573313 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0263 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 2.63% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 6573330 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 6573341 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 6573375 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573378 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 6573379 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6573382 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 69.06 | 69.06 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6573391 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.07 | 74.07 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 6573411 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.68 | 74.68 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573416 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.06 | 47.06 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 6573420 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 6573430 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573434 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.0 | 50.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573436 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573447 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 6573450 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573455 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573459 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573284 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 6573352 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573353 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.88 | 77.88 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573357 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573381 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.56 | 76.56 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 6573412 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 1.56% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 6573414 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 6573426 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573427 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573443 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573453 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 6573458 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 6573468 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 41.95 | 41.95 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 6573292 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.48 | 78.48 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573318 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 35.71 | 35.71 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 6573328 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.18 | 73.18 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 6573333 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 6573339 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573348 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.87 | 62.87 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6573360 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 6573361 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.19 | 64.19 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573362 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 6573368 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 49.15 | 49.15 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6573370 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 6573374 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 6573392 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 6573394 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0357 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0357 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| 6573404 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 6573409 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.0 | 64.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6573415 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 6573419 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 6573439 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6573446 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 6573460 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6573461 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573466 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6573469 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 6573470 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6573373 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 6573390 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6573454 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.78 | 78.78 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6573418 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.78 | 77.78 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6573431 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6573441 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6573452 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.8 |  |
| 6573337 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 31.87 | 31.87 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.11 |  |
| 6573402 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.9 | 61.9 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 6573358 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.48 | 66.48 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6573445 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6573467 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 6539500 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 6539517 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 6539513 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 72.68 | 72.68 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6539535 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539550 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 6539484 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.97 | 58.97 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539492 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 56.52 | 56.52 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539494 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 6539515 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.05 | 77.05 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 6539525 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6539531 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.57 | 66.57 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.8 |  |
| 6539534 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6539547 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 56.25 | 56.25 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6539548 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6539560 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6539565 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539566 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6539568 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539573 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 32.26 | 32.26 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 6539576 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 6539579 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539597 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 6539600 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539605 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6539625 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539626 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 6539651 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6539489 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539505 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.83 | 76.83 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539512 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 32.11 | 32.11 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 6539527 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6539533 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 51.14 | 51.14 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6539554 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 6539557 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6539567 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 6539584 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 6539591 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 6539599 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 6539616 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 6539623 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.49 | 57.49 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0551 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 0.59% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 6539631 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539476 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539483 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.67 | 47.67 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6539485 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 53.85 | 53.85 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539487 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0395 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6539499 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539555 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539577 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539583 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6539588 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6539593 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539596 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.79 | 20.79 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 6539608 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539627 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.43 | 71.43 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539630 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6539639 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6539662 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6539670 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6539478 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.69 | 76.69 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539481 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539490 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 46.15 | 46.15 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 6539491 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6539501 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539507 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 6539521 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 6539530 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.98 | 75.98 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6539545 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539552 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.3 |  |
| 6539589 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539602 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539619 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| 6539620 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 6539624 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539649 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6539511 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  | $XXX | $XXX | .0050 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .000 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 6539546 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.33 | 77.33 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 6539633 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6539498 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6539654 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0417 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 4.16% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539659 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6539661 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539674 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 39.39 | 39.39 | $XXX | $XXX | -.0075 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0075 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539514 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.51 | 59.51 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539571 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0062 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 0.62% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.9 |  |
| 6539585 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539610 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539611 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539640 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0072 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0072 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| 6539646 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 6539678 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 6539582 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539574 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 6539601 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6539615 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 74.99 | 74.99 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6539648 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.99 | 79.99 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 6539475 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 6539634 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 6539644 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 6539473 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.86 | 62.86 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 6539519 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.93 | 75.93 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6539522 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0978 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0978 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 6539523 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539529 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 6539580 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.1 | 59.1 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0204 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0204 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 6539617 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 6539594 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.05 | 68.05 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 6539598 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 56.38 | 56.38 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539647 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 6539587 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6539635 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539645 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6539495 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.82 | 58.82 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 6539569 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 6539570 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539528 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 6539538 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 6539539 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 6539540 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 6539541 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 6539542 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 6539543 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 6539544 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 6539553 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6539556 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6539559 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 6539561 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 79.66 | 79.66 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6539562 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6539563 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6539606 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.92 | 79.92 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539628 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6539636 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539642 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 69.98 | 69.98 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 6539643 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6539663 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 6539679 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539680 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6539622 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.8 | 80.8 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 6539638 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.16 | 63.16 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 6539486 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 6539607 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.79 | 74.79 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539526 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 6539537 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 6539590 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 6539660 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539474 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 51.28 | 51.28 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 6539480 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.41 | 73.41 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 6539482 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6539502 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.65 | 52.65 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 6539516 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.5 | 73.5 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.3 |  |
| 6539549 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 6539575 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6539581 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6539595 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6539614 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 24.81 | 24.81 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6539618 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 6539629 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539632 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539650 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 6539664 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0494 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0494 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| 6539665 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6539667 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6539671 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 6539673 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 48.39 | 48.39 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539508 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 88.78 | 88.78 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 6539572 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 6539564 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6539612 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539503 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 6539558 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539532 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6539479 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6539669 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 6539477 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539488 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.88 | 74.88 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539493 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.64 | 69.64 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 6539496 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 31.25 | 31.25 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 6539497 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 36.42 | 36.42 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 6539504 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 51.73 | 51.73 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 6539518 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539524 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 51.64 | 51.64 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6539536 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6539586 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 6539603 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.93 | 69.93 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539621 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6539641 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.84 | 76.84 | $XXX | $XXX | .0760 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0760 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0760 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 6539653 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.0 | 50.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.9 |  |
| 6539655 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.77 | 74.77 | $XXX | $XXX | -.0089 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0089 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 6539656 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 6539658 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 6539666 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539668 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539676 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 6539677 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.53 | 73.53 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 6539681 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.24 | 63.24 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 6539613 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 6539652 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 68.52 | 68.52 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539551 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.28 | 73.28 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 6539578 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6539672 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 6539637 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 6539509 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 6539604 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 6539657 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 6539609 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 6539675 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 6539520 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6494325 | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 6494344 | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |

---

## Exhibit 99.3

**Exhibit 99.3**

![](ex99-3_001.jpg)

**EXECUTIVE SUMMARY**

**BARC 2025-NQM7**

**By Clarifii LLC on December 1, 2025**

BARC 2025-NQM7 DUE DILIGENCE NARRATIVE REPORT – PAGE \|1

![](ex99-3_001.jpg)

**CLARIFII CONTACT INFORMATION**

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 49 loans (the "Loans") and these loans were subsequently acquired by Sutton Funding LLC the "Client") for the BARC 2025-NQM7 transaction. The loans referenced in this narrative report were reviewed 12/2024 through 09/2025 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:

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | **Loan Count** | **% of Pool** | **Original Balance** |
| &nbsp;&nbsp;Wholesale | 49 | 100.00% | $35976872.00 |
| &nbsp;&nbsp;**Total** | **49** | **100.00%** | **$35976872.00** |

---

The Review consisted of a population of 49 loans, with an aggregate principal balance of $35,976,872.00.

**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 transaction loan population.

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

---

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**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.

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| |
|:---|
| **Data Comparison Fields** |
| Amortization Term |
| Application Date |
| Balloon Flag |
| Borrower 1 Birthdate |
| Borrower 1 Email or Internet |
| Borrower 1 First Name |
| Borrower 1 Last Name |
| Borrower 1 Originator Citizenship Designation |
| Borrower 1 Phone Number |
| Borrower 1 SSN |
| Borrower 2 First Name |
| Borrower 2 Last Name |
| Borrower 2 Originator Citizenship Designation |
| Borrower 2 SSN |
| Calculated DSCR |
| Cash Disbursement Date |
| First Payment Date |
| HOA Flag |
| Initial Monthly P&I Or IO Payment |
| Interest Only Flag |
| Interest Only Term |
| Interest Rate |
| Investor Loan ID |
| Is the Condo Project warrantable |
| Lien Position |
| Loan ID |
| Loan Purpose |
| Maturity Date |
| MIN No |
| Note Date |
| Number of Units |
| Occupancy |
| Prepayment Penalty Flag |
| Prepayment Penalty Total Term |
| Primary Appraised Property Value |
| Property Address |

---

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| |
|:---|
| Property City |
| Property County |
| Property State |
| Property Type |
| Property Zip Code |
| Qualifying CLTV |
| Qualifying FICO |
| Qualifying LTV |
| Qualifying Total Debt Income Ratio |
| Sales Price |
| Seller Loan ID |
| ULI |
| Vested Business Entity Name |

---

**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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **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) |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **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 <br> - Borrower(s) employment history <br> - Citizenship and eligibility

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- First time home buyer status <br> - The application was signed by all borrowers <br> - The application was substantially complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **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;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Subject property ownership history

- Employment

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- 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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan officer

OFAC

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **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

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**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):

&nbsp;&nbsp;&nbsp;&nbsp;· **Initial and Final 1003 Application** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Mortgage/Deed of Trust** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Appraisal** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Sales Contract** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Title Commitment/Policy** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Junior Lien/Subordination Agreement** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Mortgage Insurance** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Underwriting Approval Documentation inclusive, but not limited to documents listed in the Credit Review section** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Flood Certification** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Initial and Final Loan Estimate (LE)** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Initial and Final and Closing Disclosure (CD)** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Post-Consummation Closing Disclosure (PCCD), as applicable** 

**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)

&nbsp;&nbsp;&nbsp;&nbsp;· **Compliance Documentation Requirements** 

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

- Initial and final application (1003)

- Note, including all addendums

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- 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

&nbsp;&nbsp;&nbsp;&nbsp;· **Anti-Predatory Lending (Assignee Liability)** 

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.

&nbsp;&nbsp;&nbsp;&nbsp;· **Compliance Testing of Truth-in-Lending Act (TILA)/Regulation Z Elements** Clarifii reverified and retested, when applicable, the following TILA and Regulation Z elements:

**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).

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**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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **State and Local Anti-Predatory Requirements**

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.

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- 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.

- 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.

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- 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.

- 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 § 31-171 et seq.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **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;&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;&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;&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

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**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.

**ABILITY TO REPAY (ATR)**

Clarifii reviewed the loan 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.*

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.

BARC 2025-NQM7 DUE DILIGENCE NARRATIVE REPORT – PAGE \|12

![](ex99-3_001.jpg)

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.

&nbsp;&nbsp;&nbsp;&nbsp;· **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.

&nbsp;&nbsp;&nbsp;&nbsp;· **Uniform Standards of Professional Appraisal Practice (USPAP)** 

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

appraisal.

**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:**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· 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:**

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

BARC 2025-NQM7 DUE DILIGENCE NARRATIVE REPORT – PAGE \|13

![](ex99-3_001.jpg)

**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<br> to OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within<br> - 10% of OA or Acceptable<br> UCDP Risk Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | 0 | 2 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | 0 | 1 |
| &nbsp;&nbsp;CU Score <=2.5 | &nbsp;&nbsp;0 | 0 | 27 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | 0 | 16 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | 0 | 3 |

---

**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.

**Final Event Grade**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;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. |
| &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. |

---

**Credit Event Grade**

---

| | |
|:---|:---|
| &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 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. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;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. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;There was not sufficient documentation to perform a review, or the credit file was not furnished. |

---

BARC 2025-NQM7 DUE DILIGENCE NARRATIVE REPORT – PAGE \|14

![](ex99-3_001.jpg)

**Valuation Event Grade**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;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. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;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. |
| &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. |

---

**Compliance Event Grade**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;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. |
| &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 missing, or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;There was not sufficient documentation to perform a review, or the required legal documents were not furnished. |

---

**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**

---

| | | |
|:---|:---|:---|
| **Final Overall Review Results** | **Final Overall Review Results** | **Final Overall Review Results** |
| **Overall** | **Loan Count** | **% of Sample** |
| A | 35 | 71.43% |
| B | 14 | 28.57% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **49** | **100.00%** |

---

BARC 2025-NQM7 DUE DILIGENCE NARRATIVE REPORT – PAGE \|15

![](ex99-3_001.jpg)

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**

---

| | | |
|:---|:---|:---|
| **Final Credit Grade Summary** | **Final Credit Grade Summary** | **Final Credit Grade Summary** |
| **Credit** | **Loan Count** | **% of Sample** |
| A | 36 | 73.47% |
| B | 13 | 26.53% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **49** | **100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| **Final Property Grade Summary** | **Final Property Grade Summary** | **Final Property Grade Summary** |
| **Credit** | **Loan Count** | **% of Sample** |
| A | 49 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **49** | **100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| **Final Compliance Grade Summary** | **Final Compliance Grade Summary** | **Final Compliance Grade Summary** |
| **Credit** | **Loan Count** | **% of Sample** |
| A | 47 | 95.92% |
| B | 2 | 4.08% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **49** | **100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

<br> **Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | **Loan Count** | **% of Pool** | **Original Balance** |
| &nbsp;&nbsp;Fixed | 49 | 100.00% | $35976872.00 |
| &nbsp;&nbsp;**Total** | **49** | **100.00%** | **$35976872.00** |

---

BARC 2025-NQM7 DUE DILIGENCE NARRATIVE REPORT – PAGE \|16

![](ex99-3_001.jpg)

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | **Loan Count** | **% of Pool** | **Original Balance** |
| &nbsp;&nbsp;Primary Residence | 19 | 38.78% | $18712600.00 |
| &nbsp;&nbsp;Second Home | 2 | 4.08% | $1360522.00 |
| &nbsp;&nbsp;Investment | 28 | 57.14% | $15903750.00 |
| &nbsp;&nbsp;**Total** | **49** | **100.00%** | **$35976872.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | **Loan Count** | **% of Pool** | **Original Balance** |
| &nbsp;&nbsp;Refinance | 27 | 55.10% | $21517200.00 |
| &nbsp;&nbsp;Purchase | 22 | 44.90% | $14459672.00 |
| &nbsp;&nbsp;**Total** | **49** | **100.00%** | **$35976872.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | **Loan Count** | **% of Pool** | **Original Balance** |
| &nbsp;&nbsp;1 | 49 | 100.00% | $35976872.00 |
| &nbsp;&nbsp;**Total** | **49** | **100.00%** | **$35976872.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | **Loan Count** | **% of Pool** | **Original Balance** |
| &nbsp;&nbsp;360 | 49 | 100.00% | $35976872.00 |
| &nbsp;&nbsp;**Total** | **49** | **100.00%** | **$35976872.00** |

---

**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<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | **Accuracy%** |
| &nbsp;&nbsp;Amortization Term | 0 | 48 | 100.00% |
| &nbsp;&nbsp;Application Date | 0 | 48 | 100.00% |
| &nbsp;&nbsp;Balloon Flag | 0 | 48 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | 0 | 48 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | 0 | 48 | 100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | 0 | 48 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | 0 | 48 | 100.00% |

---

BARC 2025-NQM7 DUE DILIGENCE NARRATIVE REPORT – PAGE \|17

![](ex99-3_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Originator Citizenship <br> Designation | 1 | 48 | 97.92% |
| &nbsp;&nbsp;Borrower 1 Phone Number | 0 | 46 | 100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | 0 | 48 | 100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | 0 | 6 | 100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | 0 | 6 | 100.00% |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship <br> Designation | 0 | 6 | 100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | 0 | 6 | 100.00% |
| &nbsp;&nbsp;Calculated DSCR | 1 | 48 | 97.92% |
| &nbsp;&nbsp;Cash Disbursement Date | 20 | 48 | 58.33% |
| &nbsp;&nbsp;First Payment Date | 2 | 48 | 95.83% |
| &nbsp;&nbsp;HOA Flag | 1 | 48 | 97.92% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | 0 | 48 | 100.00% |
| &nbsp;&nbsp;Interest Only Flag | 0 | 48 | 100.00% |
| &nbsp;&nbsp;Interest Only Term | 0 | 2 | 100.00% |
| &nbsp;&nbsp;Interest Rate | 0 | 48 | 100.00% |
| &nbsp;&nbsp;Investor Loan ID | 0 | 49 | 100.00% |
| &nbsp;&nbsp;Is the Condo Project warrantable | 10 | 12 | 16.67% |
| &nbsp;&nbsp;Lien Position | 0 | 48 | 100.00% |
| &nbsp;&nbsp;Loan ID | 0 | 49 | 100.00% |
| &nbsp;&nbsp;Loan Purpose | 0 | 48 | 100.00% |
| &nbsp;&nbsp;Maturity Date | 2 | 48 | 95.83% |
| &nbsp;&nbsp;MIN No | 0 | 48 | 100.00% |
| &nbsp;&nbsp;Note Date | 42 | 48 | 12.50% |
| &nbsp;&nbsp;Number of Units | 0 | 48 | 100.00% |
| &nbsp;&nbsp;Occupancy | 2 | 48 | 95.83% |
| &nbsp;&nbsp;Prepayment Penalty Flag | 1 | 21 | 95.24% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | 0 | 48 | 100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | 3 | 48 | 93.75% |
| &nbsp;&nbsp;Property Address | 0 | 48 | 100.00% |
| &nbsp;&nbsp;Property City | 0 | 48 | 100.00% |
| &nbsp;&nbsp;Property County | 0 | 48 | 100.00% |
| &nbsp;&nbsp;Property State | 0 | 48 | 100.00% |
| &nbsp;&nbsp;Property Type | 3 | 48 | 93.75% |
| &nbsp;&nbsp;Property Zip Code | 0 | 48 | 100.00% |
| &nbsp;&nbsp;Qualifying CLTV | 1 | 48 | 97.92% |
| &nbsp;&nbsp;Qualifying FICO | 0 | 46 | 100.00% |
| &nbsp;&nbsp;Qualifying LTV | 3 | 48 | 93.75% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | 7 | 48 | 85.42% |
| &nbsp;&nbsp;Sales Price | 0 | 23 | 100.00% |
| &nbsp;&nbsp;Seller Loan ID | 0 | 49 | 100.00% |
| &nbsp;&nbsp;ULI | 2 | 47 | 95.74% |
| &nbsp;&nbsp;Vested Business Entity Name | 0 | 2 | 100.00% |

---

BARC 2025-NQM7 DUE DILIGENCE NARRATIVE REPORT – PAGE \|18

![](ex99-3_001.jpg)

**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 or 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 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.*

*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.

BARC 2025-NQM7 DUE DILIGENCE NARRATIVE REPORT – PAGE \|19

## Exhibit 99.3

Exhibit 99.3 Schedule 1

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXXX | 458088 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | 61445.08 | Yes | Employed |  | No |  | Yes | Present |
| XXXXX | 609076 | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 19907 | 7.797 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12292.44 | Yes | Employed |  | No |  | No |  |
| XXXXX | 624728 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 624832 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | 93101.54 | Yes | Employed |  | No |  | Yes | Present |
| XXXXX | 633055 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 2428.49 | No | Employed |  | No |  | Yes | Present |
| XXXXX | 637202 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 638785 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 639078 | XXXXX | XXXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9725 | 7.723 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 8862.23 | Yes | Employed |  | No |  | No |  |
| XXXXX | 652335 | XXXXX | XXXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13770 | 7.586 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14495.6 | Yes | Employed |  | No |  | No |  |
| XXXXX | 670248 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 159245.42 | Yes | Employed |  | No |  | Yes | Present |
| XXXXX | 680296 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 688746 | XXXXX | XXXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10685.44 | 8.064 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24735.24 | Yes | Employed |  | No |  | No |  |
| XXXXX | 688747 | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | No | No | No | No | No | No | No | No | No | 33350 | 8.993 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 20073.35 | Yes | Employed |  | No |  | No |  |
| XXXXX | 688748 | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 15252 | 7.791 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 25983.82 | Yes | Employed |  | No |  | No |  |
| XXXXX | 692888 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 697343 | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 21770 | 9.257 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15340.49 | Yes | Employed |  | No |  | No |  |
| XXXXX | 699011 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14750.37 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXXX | 699025 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 699029 | XXXXX | XXXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 15175 | 7.241 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14842.35 | Yes | Employed | Employed | No | No | No |  |
| XXXXX | 699033 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | Yes | N/A | N/A | N/A | N/A | N/A | 92208.18 | Yes | Not Employed | Employed | No | No | Yes | Present |
| XXXXX | 699041 | XXXXX | XXXXX | ATR/QM: Exempt | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 20270 | 7.502 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15616.73 | Yes | Employed |  | No |  | No |  |
| XXXXX | 699043 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 43633.88 | Yes | Employed |  | No |  | Yes | Present |
| XXXXX | 699044 | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 18725 | 9.535 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15817.11 | Yes | Employed | Employed | No | No | No |  |
| XXXXX | 699045 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 49865.76 | Yes | Employed |  | No |  | Yes | Present |
| XXXXX | 699050 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 39996.28 | Yes | Employed |  | No |  | Yes | Present |
| XXXXX | 699051 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 699140 | XXXXX | XXXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 39275 | 7.451 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 24263.36 | Yes | Employed | Not Employed | No | No | No |  |
| XXXXX | 699713 | XXXXX | XXXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1475 | 6.777 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 24930.97 | Yes | Employed |  | No |  | No |  |
| XXXXX | 699791 | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 12035 | 8.118 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36580.55 | N/A | Employed |  | No |  | No |  |
| XXXXX | 700313 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 700323 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 700712 | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 16741 | 9.061 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19891.63 | Yes | Employed |  | No |  | No |  |
| XXXXX | 703341 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| XXXXX | 703544 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 703555 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXXX | 704842 | XXXXX | XXXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 23134 | 7.111 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 196664.62 | Yes | Employed |  | No |  | No |  |
| XXXXX | 704951 | XXXXX | XXXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14577.58 | 7.449 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35003.98 | Yes | Employed | Employed | No | No | No |  |
| XXXXX | 704983 | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 25481.13 | 7.796 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 40809.7 | Yes | Employed | Not Employed | No | No | No |  |
| XXXXX | 705064 | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 8066.1 | 7.753 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2395.99 | Yes | Employed |  | No |  | No |  |
| XXXXX | 705076 | XXXXX | XXXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 47675 | 8.592 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26252.47 | Yes | Employed |  | No |  | No |  |
| XXXXX | 705130 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXXX | 705587 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 705685 | XXXXX | XXXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 27211 | 8.827 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 25333.67 | Yes | Employed |  | No |  | No |  |
| XXXXX | 713702 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 127055.09 | Yes | Employed |  | No |  | Yes | Present |
| XXXXX | 715467 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 720273 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 720551 | XXXXX | XXXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 41900 | 8.963 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 130836.46 | N/A | Employed |  | No |  | No |  |
| XXXXX | 725571 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 725590 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |

---

## Exhibit 99.3

Exhibit 99.3 Schedule 2

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXXX | 609076 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | per note |
| XXXXX | 624728 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | per Note |
| XXXXX | 624728 | XXXXX | XXXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXXX | XXXXX | per CD |
| XXXXX | 624832 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | Per Note |
| XXXXX | 624832 | XXXXX | XXXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXXX | XXXXX | Per CD |
| XXXXX | 624832 | XXXXX | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.17 | 31.26 | Audit calculated lower income using 12 months - Lender used 16 months averaged over 12 |
| XXXXX | 633055 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | Per Note |
| XXXXX | 637202 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | per executed Note in file |
| XXXXX | 637202 | XXXXX | XXXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXXX | XXXXX | per final CD in file |
| XXXXX | 637202 | XXXXX | XXXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | per appraisal |
| XXXXX | 638785 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | Per Note |
| XXXXX | 638785 | XXXXX | XXXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No |  |
| XXXXX | 639078 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | per note |
| XXXXX | 639078 | XXXXX | XXXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | warrantable per CPM |
| XXXXX | 639078 | XXXXX | XXXXX | Primary Appraised Property Value | propertyValuationPage | XXXXX | XXXXX | Tape states sales price. |
| XXXXX | 652335 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | Per Note |
| XXXXX | 652335 | XXXXX | XXXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | UW Attestation not provided |
| XXXXX | 670248 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | Per executed note in file. |
| XXXXX | 670248 | XXXXX | XXXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXXX | XXXXX | Per final CD in file. |
| XXXXX | 680296 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | per Note |
| XXXXX | 688746 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | per note |
| XXXXX | 688746 | XXXXX | XXXXX | Occupancy | the1003Page | Second Home | OwnerOccupied | Per 1008 |
| XXXXX | 688746 | XXXXX | XXXXX | Cash Disbursement Date | finalCdDetailPage | XXXXX | XXXXX | per final CD |
| XXXXX | 688746 | XXXXX | XXXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Condo is Warrantable per docs in file. |
| XXXXX | 688748 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | Per Note |
| XXXXX | 692888 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | per Note |
| XXXXX | 692888 | XXXXX | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 2038.30 | DSCR |
| XXXXX | 697343 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | per note |
| XXXXX | 699011 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | Per Note |
| XXXXX | 699011 | XXXXX | XXXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXXX | XXXXX | Per Final CD |
| XXXXX | 699011 | XXXXX | XXXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Appraisal & Condo questionnaire |
| XXXXX | 699025 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | Per Note |
| XXXXX | 699025 | XXXXX | XXXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXXX | XXXXX | Per Final CD |
| XXXXX | 699025 | XXXXX | XXXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Condo is less than 3 units - Condo warranty waived |
| XXXXX | 699025 | XXXXX | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 2305.64 | DSCR loan |
| XXXXX | 699029 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | Per Note |
| XXXXX | 699029 | XXXXX | XXXXX | Cash Disbursement Date | finalCdDetailPage | XXXXX | XXXXX | Per CD |
| XXXXX | 699033 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | per note |
| XXXXX | 699033 | XXXXX | XXXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXXX | XXXXX | per cd |
| XXXXX | 699041 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | Per Note |
| XXXXX | 699043 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | Per note |
| XXXXX | 699044 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | Per Note |
| XXXXX | 699044 | XXXXX | XXXXX | Cash Disbursement Date | finalCdDetailPage | XXXXX | XXXXX | Per Final CD |
| XXXXX | 699045 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | Per note |
| XXXXX | 699045 | XXXXX | XXXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXXX | XXXXX | Per final CD |
| XXXXX | 699050 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | Per Note |
| XXXXX | 699050 | XXXXX | XXXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXXX | XXXXX | Per Final CD |
| XXXXX | 699050 | XXXXX | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 15.49 | 5.36 | Lender did not use full PITIA for primary residence. Also lender income worksheet shows income/12 months instead of 24 months |
| XXXXX | 699051 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | per Note |
| XXXXX | 699051 | XXXXX | XXXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | per Questionnaire & Appraisal |
| XXXXX | 699140 | XXXXX | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.74 | 40.30 | Audit Excluded unsourced deposit in XXXXX |
| XXXXX | 699713 | XXXXX | XXXXX | Occupancy | the1003Page | Second Home | OwnerOccupied | Per 1003 and DOT in file. |
| XXXXX | 699713 | XXXXX | XXXXX | Cash Disbursement Date | finalCdDetailPage | XXXXX | XXXXX | Per Final CD. |
| XXXXX | 700313 | XXXXX | XXXXX | Maturity Date | notePage | XXXXX | XXXXX | per Note |
| XXXXX | 700313 | XXXXX | XXXXX | First Payment Date | notePage | XXXXX | XXXXX | per Note |
| XXXXX | 700313 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | per Note |
| XXXXX | 700323 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | per Note |
| XXXXX | 700323 | XXXXX | XXXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXXX | XXXXX | per Final CD |
| XXXXX | 700712 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | Per Note |
| XXXXX | 700712 | XXXXX | XXXXX | Cash Disbursement Date | finalCdDetailPage | XXXXX | XXXXX | Per Final CD |
| XXXXX | 703341 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | Per Note |
| XXXXX | 703341 | XXXXX | XXXXX | Qualifying CLTV | propertyValuationPage | 64.79 | 64.80 | loan amount/appraisal value |
| XXXXX | 703341 | XXXXX | XXXXX | Qualifying LTV | propertyValuationPage | 64.79 | 64.80 | loan amount/appraisal value |
| XXXXX | 703341 | XXXXX | XXXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXXX | XXXXX | Per CD |
| XXXXX | 703341 | XXXXX | XXXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | per docs in file |
| XXXXX | 703544 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | Per executed note in file. |
| XXXXX | 703544 | XXXXX | XXXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | UW Attestation no included in loan file |
| XXXXX | 703555 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | Per Note |
| XXXXX | 703555 | XXXXX | XXXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXXX | XXXXX | Per CD |
| XXXXX | 703555 | XXXXX | XXXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXXX | 704842 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | Per Note |
| XXXXX | 704951 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | Per Note |
| XXXXX | 704951 | XXXXX | XXXXX | ULI | the1003Page | XXXXX | XXXXX | Per Final 1003 |
| XXXXX | 704951 | XXXXX | XXXXX | Qualifying LTV | propertyValuationPage | 61.64 | 59.72 | Per loan amount and appraised value. |
| XXXXX | 704951 | XXXXX | XXXXX | Primary Appraised Property Value | propertyValuationPage | XXXXX | XXXXX | Per appraised value |
| XXXXX | 704951 | XXXXX | XXXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Warrantable Condo, per condo questionnaire |
| XXXXX | 704983 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | Per note |
| XXXXX | 704983 | XXXXX | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 21.4 | 15.32 | Lender did not qualify w/dep res PITIA. Audit did, but DTI still under max allowed |
| XXXXX | 705064 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | Per Note |
| XXXXX | 705076 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | Per note |
| XXXXX | 705076 | XXXXX | XXXXX | Cash Disbursement Date | finalCdDetailPage | XXXXX | XXXXX | Per final CD |
| XXXXX | 705076 | XXXXX | XXXXX | HOA Flag | propertyValuationPage | No | Y | No HOA per appraisals |
| XXXXX | 705130 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | Per Note |
| XXXXX | 705130 | XXXXX | XXXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal. |
| XXXXX | 705130 | XXXXX | XXXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXXX | XXXXX | Final CD |
| XXXXX | 705685 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | Per Note |
| XXXXX | 713702 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | Per Note |
| XXXXX | 713702 | XXXXX | XXXXX | Qualifying LTV | propertyValuationPage | 65.21 | 70.00 | Per loan amt and appraisal |
| XXXXX | 713702 | XXXXX | XXXXX | Primary Appraised Property Value | propertyValuationPage | XXXXX | XXXXX | Per appraisal |
| XXXXX | 715467 | XXXXX | XXXXX | First Payment Date | notePage | XXXXX | XXXXX | Per Note |
| XXXXX | 715467 | XXXXX | XXXXX | Maturity Date | notePage | XXXXX | XXXXX | Per Note |
| XXXXX | 715467 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | Per Note |
| XXXXX | 720273 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | per Note |
| XXXXX | 720273 | XXXXX | XXXXX | Prepayment Penalty Flag | notePage | N | Y | Per client email. |
| XXXXX | 720273 | XXXXX | XXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 3229.18 | DSCR |
| XXXXX | 725571 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | Per Note |
| XXXXX | 725571 | XXXXX | XXXXX | ULI | the1003Page | XXXXX | XXXXX | Per Final 1003 |
| XXXXX | 725571 | XXXXX | XXXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXXX | XXXXX | Per Final Cd |
| XXXXX | 725571 | XXXXX | XXXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per condo questionnaire |
| XXXXX | 725571 | XXXXX | XXXXX | Calculated DSCR | diligenceFinalLookPage | 0.881 | 0.851 | Lender did not provide a DSCR calc to compare |
| XXXXX | 725590 | XXXXX | XXXXX | Note Date | notePage | XXXXX | XXXXX | per Note |

---

## Exhibit 99.3

Exhibit 99.3 Schedule 3

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan 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 | 458088 | XXXX D B A | Closed | FCRE1197 | 2024-12-06 12:26 | 2025-06-23 15:03 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited XXXX of 726 is greater than or equal to Guideline XXXX of 700 - Due Diligence Vendor-12/09/2024 <br> Ready for Review-Document Uploaded. Thank you for pointing out the gap between XXXX current Matrix and the Investor's Matrix. We are in process of getting our new Matrix's reviewed for approval and will be lined up with our investors. Please see attached Matrix which supports the max LTV for an Investment Cash-out Loan with a 726 XXXX is 80%. The minimum FICO to go above 75% is 700. - Seller-12/09/2024 <br> Open-Audited XXXX of 726 is less than Guideline FICO of 740 Per Matrix, if LTV is greater than 75%, minimum XXXX is 740 - Due Diligence Vendor-12/06/2024 | Ready for Review-Document Uploaded. Thank you for pointing out the gap between XXXX current Matrix and the Investor's Matrix. We are in process of getting our new Matrix's reviewed for approval and will be lined up with our investors. Please see attached Matrix which supports the max LTV for an Investment Cash-out Loan with a 726 FICO is 80%. The minimum FICO to go above 75% is 700. - Seller-12/09/2024 | Resolved-Audited FICO of 726 is greater than or equal to Guideline FICO of 700 - Due Diligence Vendor-12/09/2024 | Months Reserves exceed minimum required - Minimum Reserve Required is 3, borrower has 5.22<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrower is at 34.92% |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2950736 |
| XXXX | 458088 | XXXX D B A | Closed | FCRE1440 | 2024-12-06 12:51 | 2024-12-09 10:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Private mortgage requires proof of payments<br> originator exception granted and in file, waiver applied with comp factors. <br> - Due Diligence Vendor-12/09/2024 <br> Open-Private mortgage requires proof of payments - Due Diligence Vendor-12/09/2024 |  | Waived-Private mortgage requires proof of payments<br> originator exception granted and in file, waiver applied with comp factors. <br> - Due Diligence Vendor-12/09/2024<br>| Months Reserves exceed minimum required - Minimum Reserve Required is 3, borrower has 5.22<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrower is at 34.92% | Employment history exceeds guidelines and FICO score is at least 20 points above minimum for program |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 2951071 |
| XXXX | 458088 | XXXX D B A | Closed | FCRE5782 | 2024-12-06 12:14 | 2024-12-09 10:01 | 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-12/09/2024 <br>Open-Borrower 1 Gap Credit Report is Missing Provide GAP Credit dated within 10 days of Note date - Due Diligence Vendor-12/06/2024 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/09/2024<br>| Months Reserves exceed minimum required - Minimum Reserve Required is 3, borrower has 5.22<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrower is at 34.92% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2950532 |
| XXXX | 609076 | XXXX C B A | Closed | finding-3635 | 2025-07-23 09:22 | 2025-09-11 07:27 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured-Rec'd Shipping Label and copy of check. Finding cured. - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. copy of the refund check and the shipping label attached - Seller-09/10/2025 <br> Counter-Received PCCD XXXX and LOE. However we did not receive a copy of the refund check and the shipping label. Finding remains. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Full cure documetns attached - Seller-09/09/2025 <br> Counter-Provided documentation is not sufficient to cure tolerance violation. Refund check in the amount of XXXX with tracking and shipping label that reflects delivery of refund to borrower within 60 days after consummation is missing. Finding remains. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. - Seller-08/05/2025 <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% (XXXX) exceed the comparable charges (XXXX) 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). ----- Ten (10%) tolerance fees (Recording Fee) increased by XXXX 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 XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 year- Expiration date is XXXX. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. copy of the refund check and the shipping label attached - Seller-09/10/2025 <br>Ready for Review-Full cure documetns attached - Seller-09/09/2025 <br>Ready for Review-Document Uploaded. - Seller-08/05/2025<br>| Cured-Rec'd Shipping Label and copy of check. Finding cured. - Due Diligence Vendor-09/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 763<br>LTV is less than guideline maximum - Max LTV is 70%, borrowers LTV is 61.44% |  | XXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4916253 |
| XXXX | 609076 | XXXX C B A | Closed | FCRE7009 | 2025-07-23 14:02 | 2025-07-30 16:44 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Upon further review, included other structures. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. Please see attached. Coverage Amount for Insured subject property is more than sufficient since it includes Coverage B: other structures for $46,200 and an additional coverage for Building Ordinance or Law Coverage -10% of Coverage A - included in premium. Please clear this finding. - Seller-07/29/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Coverage does not meet the RCE amount. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. Please see attached. Coverage Amount for Insured subject property is more than sufficient since it includes Coverage B: other structures for XXXX and an additional coverage for Building Ordinance or Law Coverage -10% of Coverage A - included in premium. Please clear this finding. - Seller-07/29/2025 | Resolved-Upon further review, included other structures. - Due Diligence Vendor-07/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 763<br>LTV is less than guideline maximum - Max LTV is 70%, borrowers LTV is 61.44% |  | XXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4922563 |
| XXXX | 624728 | XXXX C A | Closed | FCRE7810 | 2025-06-02 13:56 | 2025-08-05 15:05 | Resolved | 1 - Information C A | Credit | Title | Title issue | Resolved-After further review, a spouse signing the mortgage to release dower rights does not have to be on title. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-In XXXX, even if a spouse is not vested on the title of a property, they may still need to sign the collateral package for a DSCR loan (or any mortgage loan) due to XXXX dower rights. There is no need for vesting update she is only on the collateral document and if you see the note and the remaining document she did not sign - Please escalate - Seller-08/05/2025 <br> Counter-Final Policy provided, however title is only vested in the borrower name and does not match the mortgage that reflects the Non Borrowing Spouse. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/01/2025 <br> Counter-Please provide the final title policy. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-This will be resolved with the Final Title Policy Post Purchase. It is a requirement of closing.&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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; - Seller-07/24/2025 <br> Open-Provide the correct Title Vesting to include the Borrower and the Non Borrowing Spouse, to match the Mortgage. - Due Diligence Vendor-06/02/2025 | Ready for Review-In XXXX, even if a spouse is not vested on the title of a property, they may still need to sign the collateral package for a DSCR loan (or any mortgage loan) due to XXXX dower rights. There is no need for vesting update she is only on the collateral document and if you see the note and the remaining document she did not sign - Please escalate - Seller-08/05/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/01/2025 <br> Ready for Review-This will be resolved with the Final Title Policy Post Purchase. It is a requirement of closing.&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&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; - Seller-07/24/2025 | Resolved-After further review, a spouse signing the mortgage to release dower rights does not have to be on title. - Due Diligence Vendor-08/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 693<br>Months Reserves exceed minimum required - Min reserves required 6 mths- Borrower has 86.72 months in reserves |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4301984 |
| XXXX | 624728 | XXXX C A | Closed | FCRE9999 | 2025-06-02 13:54 | 2025-06-18 18:53 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-Received Mortgage w/legal. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/17/2025 <br> Open-Provide the legal description that should be included in the Mortgage. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/17/2025<br>| Resolved-Received Mortgage w/legal. - Due Diligence Vendor-06/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 693<br>Months Reserves exceed minimum required - Min reserves required 6 mths- Borrower has 86.72 months in reserves |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4301924 |
| XXXX | 624832 | XXXX C A | Closed | FCRE0105 | 2025-06-02 10:54 | 2025-08-06 14:51 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-Received Report - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/04/2025 <br> Open-SB326 report is missing - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/04/2025<br>| Resolved-Received Report - Due Diligence Vendor-08/06/2025<br>| Months Reserves exceed minimum required - 6 months reserves required, borrower has 460.03 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 743 |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4298328 |
| XXXX | 633055 | XXXX D B A | Closed | FCRE1193 | 2025-06-05 15:37 | 2025-07-18 15:09 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Upon further review, 100% of the 1007 rental income is allowed per the guidelines. Audited DTI of 49.42% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/19/2025 <br> Ready for Review-Document Uploaded. 7.2 Alt Doc - Rental Income under XXXX Non-QM - final 2.0 guide states in all instances when using rental income, 100% of the verified monthly rental income can be used.<br>Document Uploaded. Uploaded February to XXXX months bank statements for XXXX. Uploaded Assets New Account and Transaction History. This account - XXXX was not used for Assets; funds were just a pass through to this XXXX while opening a new account, and the deposits were not used in the income calculation. XXXX was only opened on XXXX. - Seller-06/16/2025 <br> Counter-1. Income updated, now matches however market rent must be deducted by vacancy factor which results in the excessive DTI. 2. Still missing proof of 3 months seasoning for XXXX to meet asset utilization requirements. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-12 mos. bank statements - XXXX from XXXX were provided in the file. XXXX dated XXXX shows counter credit of XXXX and wire transfer dated XXXX of XXXX from community credit union. Ending balance as of XXXX for XXXX is XXXX. This XXXX account meets the minimum 30 days seasoning requirement. <br>The Final closing disclosure dated XXXX shows the closing funds needed was XXXX and downpayment made was XXXX from the borrower's own funds. Funds were disbursed on XXXX.<br>It must be noted that XXXX was transferred from XXXX on XXXX to a new account opened XXXX to XXXX. <br>DTI is only 49.41% per 1008 since the Income Calculation Worksheet shows the counter credit of XXXX as of XXXX and the wire transfer of XXXX as of XXXX were excluded including other deposits like XXXX Income, Tax refund and Bank adjustments. <br> The qualifying business income used is XXXX. Per, Transmittal summary, income used for Asset Depletion income calculated as (XXXX (Closing Cost + Reserves))/60 months = XXXX. XXXX income of XXXX for a total monthly income of XXXX. <br> Market rent is XXXX and monthly mortgage is XXXX for a negative cash flow of XXXX. All other payments are XXXX for a total monthly payment of XXXX. <br>XXXX = 49.41%.<br> - Seller-06/13/2025 <br> Open-Audited DTI of 108.81% exceeds Guideline DTI of 50% Provide 3 months XXXX for Asset Utilization. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. 7.2 Alt Doc - Rental Income under XXXX Non-QM - final 2.0 guide states in all instances when using rental income, 100% of the verified monthly rental income can be used.<br>Document Uploaded. Uploaded February to XXXX months bank statements for XXXX. Uploaded Assets New Account and Transaction History. This account - XXXX was not used for Assets; funds were just a pass through to this XXXX while opening a new account, and the deposits were not used in the income calculation. XXXX was only opened on XXXX. - Seller-06/16/2025 <br> Ready for Review-12 mos. bank statements - XXXX from XXXX were provided in the file. XXXX dated XXXX shows counter credit of XXXX and wire transfer dated XXXX of XXXX from community credit union. Ending balance as of XXXX for XXXX is XXXX. This BA XXXX account meets the minimum 30 days seasoning requirement. <br>The Final closing disclosure dated XXXX shows the closing funds needed was XXXX and downpayment made was XXXX from the borrower's own funds. Funds were disbursed on XXXX.<br>It must be noted that XXXX was transferred from XXXX on XXXX to a new account opened XXXX to XXXX. <br>DTI is only 49.41% per 1008 since the Income Calculation Worksheet shows the counter credit of XXXX as of XXXX and the wire transfer of XXXX as of XXXX were excluded including other deposits like XXXX Income, Tax refund and Bank adjustments. <br> The qualifying business income used is XXXX. Per, Transmittal summary, income used for Asset Depletion income calculated as (XXXX (Closing Cost + Reserves))/60 months = XXXX. SS Treas income of XXXX for a total monthly income of XXXX. <br> Market rent is XXXX and monthly mortgage is XXXX for a negative cash flow of XXXX. All other payments are XXXX for a total monthly payment of XXXX. <br>XXXX = 49.41%.<br> - Seller-06/13/2025 | Resolved-Upon further review, 100% of the 1007 rental income is allowed per the guidelines. Audited DTI of 49.42% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 701<br>Months Reserves exceed minimum required - 6 mths reserves required- Borrower has 37.5 mths reserves |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Purchase | NA | N/A | N/A | 4351010 |
| XXXX | 633055 | XXXX D B A | Closed | FCRE1339 | 2025-06-19 11:04 | 2025-07-18 15:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Personal Bank Statements Missing | Resolved-Received new account transaction history. - Due Diligence Vendor-06/25/2025 <br> Ready for Review-Document Uploaded. Please see attached. Transaction History for new account XXXX came from XXXX as evidenced by the business card attached to it. - Seller-06/23/2025 <br> Open-\*New\* Please provide the missing bank statement for XXXX. - Due Diligence Vendor-06/19/2025 | Ready for Review-Document Uploaded. Please see attached. Transaction History for new account XXXX came from BA as evidenced by the business card attached to it. - Seller-06/23/2025 | Resolved-Received new account transaction history. - Due Diligence Vendor-06/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 701<br>Months Reserves exceed minimum required - 6 mths reserves required- Borrower has 37.5 mths reserves |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Purchase | NA | N/A | N/A | 4498910 |
| XXXX | 633055 | XXXX D B A | Closed | FCRE1441 | 2025-06-05 15:19 | 2025-07-16 12:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived--Originator waiver applied to non material finding with compensating factors. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Seller-07/16/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Borrower(s) who sold a primary residence within the past six (6) months, currently residing rent-free, and purchasing a new primary residence are allowed: 12-month mortgage history required on previous primary residence. This is not a purchase of a primary and does not meet guidelines. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. - Seller-07/16/2025<br>| Waived--Originator waiver applied to non material finding with compensating factors. - Due Diligence Vendor-07/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 701<br>Months Reserves exceed minimum required - 6 mths reserves required- Borrower has 37.5 mths reserves | LTV is 5% less than guideline maximum<br> 5+ years Verified employment history exceeds guidelines | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4350717 |
| XXXX | 633055 | XXXX D B A | Closed | FCRE1467 | 2025-06-05 15:23 | 2025-06-16 15:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 1 Missing | Resolved-Assets removed, not needed - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. Uploaded February to XXXX months bank statements for XXXX. This account was not used for Assets; funds were just a pass through to this account while opening a new account, and the deposits were not used in the income calculation. - Seller-06/13/2025 <br> Open-Asset 1 Missing Funds from XXXX were transferred on XXXX to open this acct - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. Uploaded February to XXXX months bank statements for XXXX. This account was not used for Assets; funds were just a pass through to this account while opening a new account, and the deposits were not used in the income calculation. - Seller-06/13/2025 | Resolved-Assets removed, not needed - Due Diligence Vendor-06/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 701<br>Months Reserves exceed minimum required - 6 mths reserves required- Borrower has 37.5 mths reserves |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Purchase | NA | N/A | N/A | 4350782 |
| XXXX | 637202 | XXXX D A C | Closed | FPRO0023 | 2025-09-04 16:01 | 2025-09-22 16:14 | Resolved | 1 - Information C A | Property | Value | Primary Appraised Value exceeds Variance to Reviewed Appraised Property Value | Resolved-The BPO dated XXXX (reconsideration of value) has been accepted. - Due Diligence Vendor-09/22/2025 <br> Counter-Reconsideration of value BPO does not meet requirements-Per the guidelines if the AVM returns a value that is greater than 10% below the appraised value the file must contain a field review or a second appraisal. The BPO value is 13.84% below the original appraisal resulting in a field review or 2nd appraisal is required. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Please note that the new BPO provided was a reconsideration of the original BPO due to a dispute(ROV) being requested; it is not an additional Drive By BPO. Please escalate to have this reviewed. - Seller-09/18/2025 <br> Counter-Per the guidelines if the AVM returns a value that is greater than 10% below the appraised value the file must contain a field review or a second appraisal. The BPO value is 13.84% below the original appraisal resulting in a field review or 2nd appraisal is required. Drive by appraisal provided and does not meet the guideline requirement. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. Please see updated BPO; a reconsideration of value was requested as the Price per unit for the subject was well below the Price per unit average from all the comps used. We ask that this condition be cleared based on the updated BPO supporting the value. - Seller-09/17/2025 <br> Ready for Review-Document Uploaded. 1003 and 1008 updated to reflect lower BPO value as per guideline 8.1.3 "If FSD score or valuation from either of these companies is less than 90% of the appraised value, then the LTV will be calculated using the lower of the CDA, AVM, BPO or the ARR value" - Seller-09/16/2025 <br> Open-Client provided a BPO which does not support the original appraisal. Provide a field review to support the original value - Due Diligence Vendor-09/04/2025 | Ready for Review-Please note that the new BPO provided was a reconsideration of the original BPO due to a dispute(ROV) being requested; it is not an additional Drive By BPO. Please escalate to have this reviewed. - Seller-09/18/2025 <br> Ready for Review-Document Uploaded. Please see updated BPO; a reconsideration of value was requested as the Price per unit for the subject was well below the Price per unit average from all the comps used. We ask that this condition be cleared based on the updated BPO supporting the value. - Seller-09/17/2025 <br> Ready for Review-Document Uploaded. 1003 and 1008 updated to reflect lower BPO value as per guideline 8.1.3 "If FSD score or valuation from either of these companies is less than 90% of the appraised value, then the LTV will be calculated using the lower of the CDA, AVM, BPO or the ARR value" - Seller-09/16/2025 | Resolved-The BPO dated XXXX for XXXX (reconsideration of value) has been accepted. - Due Diligence Vendor-09/22/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 - Borrower's FICO 760 <br>LTV is less than guideline maximum - Max LTV 70%- Borrower's LTV 58.91% |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5416624 |
| XXXX | 637202 | XXXX D A C | Closed | FCRE6666 | 2025-06-09 14:00 | 2025-09-04 16:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Secondary Valuation product is dated prior to the Appraisal date | Resolved-Client provided a secondary valuation which satisfies this finding, however a new finding has been added as the value is not supported - Due Diligence Vendor-09/04/2025 <br> Ready for Review-Document Uploaded. Please see attached BPO and corrected 1003/1008. We note the BPO came in more than 10% below the appraised value. The updated 1003 and 1008 was corrected to use the lower value which would still qualify under the XXXX Program. Per the XXXX 5-10 Unit DSCR Program, a Rate and Term would be allowed up to 70% LTV, the updated LTV increased to 67.75%. Any pricing implications will be worked out with the ending investor. - Seller-09/03/2025 <br> Counter-Secondary valuation is required for securitization. Finding remains. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Please waive finding as the applicable guidelines do not require a secondary valuations product for MFR. Please refer to section 9 - Seller-07/23/2025 <br> Open-Provide Secondary Valuation Report. - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. Please see attached BPO and corrected 1003/1008. We note the BPO came in more than 10% below the appraised value. The updated 1003 and 1008 was corrected to use the lower value which would still qualify under the XXXX Program. Per the Pound Cake 5-10 Unit DSCR Program, a Rate and Term would be allowed up to 70% LTV, the updated LTV increased to 67.75%. Any pricing implications will be worked out with the ending investor. - Seller-09/03/2025 <br> Ready for Review-Please waive finding as the applicable guidelines do not require a secondary valuations product for MFR. Please refer to section 9 - Seller-07/23/2025 | Resolved-Client provided a secondary valuation which satisfies this finding, however a new finding has been added as the value is not supported - Due Diligence Vendor-09/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 - Borrower's FICO 760 <br>LTV is less than guideline maximum - Max LTV 70%- Borrower's LTV 58.91% |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4383813 |
| XXXX | 637202 | XXXX D A C | Closed | FCOM1352 | 2025-06-10 10:59 | 2025-06-16 15:18 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Affidavit received - Due Diligence Vendor-06/16/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/13/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Missing Business Purpose Affidavit Disclosure - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/13/2025<br>| Resolved-Affidavit received - Due Diligence Vendor-06/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 - Borrower's FICO 760 <br>LTV is less than guideline maximum - Max LTV 70%- Borrower's LTV 58.91% |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4394821 |
| XXXX | 638785 | XXXX D A | Closed | FCRE1510 | 2025-06-11 10:46 | 2025-09-12 14:34 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received condo rider and intent to record. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. Correction Affidavit and Rider uploaded for review. Please clear finding - Seller-09/11/2025 <br> Open-Condo Rider is Missing Provide missing Condo Rider. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. Correction Affidavit and Rider uploaded for review. Please clear finding - Seller-09/11/2025<br>| Resolved-Received condo rider and intent to record. - Due Diligence Vendor-09/12/2025<br>| LTV is less than guideline maximum - Lender max LTV 70%, subject LTV 55%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 685 vs min required of 640 |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4410166 |
| XXXX | 638785 | XXXX D A | Closed | FCRE8700 | 2025-06-12 10:58 | 2025-06-18 18:07 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Resolved-Received EIN - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. Please see attached EIN Number for XXXX - XXXX 100% owner - Seller-06/16/2025 <br> Open-Missing EIN # for business entity. - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. Please see attached EIN Number for XXXX - XXXX 100% owner - Seller-06/16/2025 | Resolved-Received EIN - Due Diligence Vendor-06/18/2025<br>| LTV is less than guideline maximum - Lender max LTV 70%, subject LTV 55%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 685 vs min required of 640 |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4424807 |
| XXXX | 639078 | XXXX D B C A | Closed | FPRO1255 | 2025-06-11 11:52 | 2025-07-31 10:36 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received CPM. Questionnaire not required. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. Please see - per guide 10.12 - If an approved XXXXs Condo Project Manager (CPM) report is provided, a lender HOA questionnaire is not required. Also attached is the HOA findings - Seller-06/13/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Provide condo questionnaire, addtional findings may apply once reviewed. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. Please see - per guide 10.12 - If an approved XXXX Condo Project Manager (CPM) report is provided, a lender HOA questionnaire is not required. Also attached is the HOA findings - Seller-06/13/2025 | Resolved-Received CPM. Questionnaire not required. - Due Diligence Vendor-06/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 771<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 48% |  | XXXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4411462 |
| XXXX | 639078 | XXXX D B C A | Closed | FCRE1198 | 2025-06-11 13:10 | 2025-07-11 10:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver reserves of 3.61 months< 6months required, 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> Counter-XXXX post closing funds for reserves are required. Reviewed XXXX post close reserves. Short XXXX in additional funds for reserves are required. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Total monthly obligations are XXXX x 6 months = XXXX + cash required XXXX (after EMD credit / EMD included) = - XXXX total funds required to be verified <br> please review and advise, Funds verified XXXX minus funds required to close XXXX = - XXXX this appears to be the shortage <br> - Seller-06/14/2025 <br> Open-Audited Reserves of 3.61 month(s) are less than Guideline Required Reserves of 6 month(s) Provide sufficient assets to meet the 6m reserve requirement. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025 <br> Ready for Review-Total monthly obligations are XXXX x 6 months = XXXX + cash required XXXX (after EMD credit / EMD included) = XXXX total funds required to be verified <br> please review and advise, Funds verified XXXX minus funds required to close XXXX = - XXXX this appears to be the shortage <br> - Seller-06/14/2025 | Waived-Originator provided a waiver reserves of 3.61 months< 6months required, applied to non material finding with comp factors - Due Diligence Vendor-07/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 771<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 48% | FICO: 20 points above minimum<br> Credit History: 24 months 0x30 | XXXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 4412709 |
| XXXX | 639078 | XXXX D B C A | Closed | finding-651 | 2025-06-10 09:16 | 2025-06-19 07:14 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | TILA Finance Charge Test | Cured-Received CD XXXX, LOX, copy of XXXX check and evidence of delivery. - Due Diligence Vendor-06/19/2025 <br> Ready for Review-Please see attached copy of XXXX check, and evidence of delivery doc. This loan transaction is a purchase, a Notice of Right of Rescission does not apply - Seller-06/18/2025 <br> Counter-----Received PCCD XXXX and LOX. Provide copy of check, evidence of delivery and evidence rescission has been re-opened, new ROR required. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. Please see attached remedy addressing the fail, please clear finding - Seller-06/14/2025 <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 at 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. Statute also requires rescission to be re-opened, therefore ROR is required to be provided. Statue of Limitations - 1 year, expiration date XXXX.<br> - Due Diligence Vendor-06/10/2025 | Ready for Review-Please see attached copy of XXXX check, and evidence of delivery doc. This loan transaction is a purchase, a Notice of Right of Rescission does not apply - Seller-06/18/2025 <br> Ready for Review-Document Uploaded. Please see attached remedy addressing the fail, please clear finding - Seller-06/14/2025 | Cured-Received CD XXXX, LOX, copy of XXXX check and evidence of delivery. - Due Diligence Vendor-06/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 771<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 48% |  | XXXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4393278 |
| XXXX | 652335 | XXXX C B A | Closed | FCRE1168 | 2025-06-23 14:28 | 2025-06-27 14:44 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Resolved-Upon further review, coverage appears to be sufficient. - Due Diligence Vendor-06/27/2025 <br> Ready for Review-With CA Fair Plan, dwelling replacement cost is included. a specific coverage amount is not required. - Seller-06/25/2025 <br> Open-XXXX does not provide dwelling coverage - Due Diligence Vendor-06/23/2025 | Ready for Review-With CA Fair Plan, dwelling replacement cost is included. a specific coverage amount is not required. - Seller-06/25/2025<br>| Resolved-Upon further review, coverage appears to be sufficient. - Due Diligence Vendor-06/27/2025<br>| Months Reserves exceed minimum required - 6 months minimum reserves, borrower has 30.62 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 782 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4531594 |
| XXXX | 652335 | XXXX C B A | Closed | FCRE6763 | 2025-06-23 16:11 | 2025-06-23 16:13 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-P/L loan requires 2 mo's business bank statements, personal were provided. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-06/23/2025 |  | Waived-P/L loan requires 2 mo's business bank statements, personal were provided. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-06/23/2025<br>| Months Reserves exceed minimum required - 6 months minimum reserves, borrower has 30.62 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 782 | Reserves over 3 months<br> Score is 782 over 20 points of requirement<br> 0x30 credit history<br> 12 years on job. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 4533422 |
| XXXX | 670248 | XXXX D B A | Closed | FCRE7497 | 2025-07-09 12:26 | 2025-07-14 15:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received confirmation no H06 on primary residence - Due Diligence Vendor-07/14/2025 <br>Ready for Review-Document Uploaded. Please see attached documentation to support the borrowers Primary Residence is F/C and does not have HOI. - Seller-07/10/2025 <br>Open-Provide HOI for property 3b. - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. Please see attached documentation to support the borrowers Primary Residence is F/C and does not have HOI. - Seller-07/10/2025<br>| Resolved-Received confirmation no H06 on primary residence - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 790<br>Months Reserves exceed minimum required - Min reserves 12 mths- Borrower has 113.89 mths in reserves |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4750746 |
| XXXX | 670248 | XXXX D B A | Closed | FCRE1492 | 2025-07-10 10:38 | 2025-07-10 10:41 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow cash in hand to exceed maximum of XXXX, Non-material waiver applied with comp factors. non-material due to cash in hand. - Due Diligence Vendor-07/10/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Max Cash in hand XXXX - Current cash in hand XXXX - Due Diligence Vendor-07/10/2025 |  | Waived-Originator exception granted to allow cash in hand to exceed maximum of XXXX million, Non-material waiver applied with comp factors. non-material due to cash in hand. - Due Diligence Vendor-07/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 790<br>Months Reserves exceed minimum required - Min reserves 12 mths- Borrower has 113.89 mths in reserves | 790 FICO (Over 20 points for requirements)<br> -24+ Month Credit History |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4764798 |
| XXXX | 670248 | XXXX D B A | Closed | FCRE1199 | 2025-07-09 12:24 | 2025-07-10 10:41 | 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 exceed XXXX, Non-material waiver applied with comp factors. non-material due to loan amount only LTV is in line - Due Diligence Vendor-07/10/2025 <br> Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of XXXX Exception request: Allow loan amount of XXXX. - Due Diligence Vendor-07/09/2025 |  | Waived-Originator exception granted to allow Loan amount exceed XXXX, Non-material waiver applied with comp factors. non-material due to loan amount only LTV is in line - Due Diligence Vendor-07/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 790<br>Months Reserves exceed minimum required - Min reserves 12 mths- Borrower has 113.89 mths in reserves | -790 FICO (over 20 points for requirements)<br> - 24+ month credit history<br> - 26 years on job |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4750703 |
| XXXX | 680296 | XXXX C A | Closed | FCRE0079 | 2025-07-15 11:13 | 2025-08-06 10:24 | Resolved | 1 - Information C A | Credit | Eligibility | Property subject to a lien that could take priority according to the 1003 declaration | Resolved-After further review, the mechanics liens were paid through closing and reflected on the final CD. - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Please note the subject loan is paying off the improvement liens for E and with respect to question D, the subject loan is a DSCR loan and any additional debt obtained is not applicable as there are no impact to ratios. - Seller-07/31/2025 <br>Open-Property subject to a lien that could take priority according to the 1003 declaration. No further information on the lien provided - Due Diligence Vendor-07/17/2025 | Ready for Review-Please note the subject loan is paying off the improvement liens for E and with respect to question D, the subject loan is a DSCR loan and any additional debt obtained is not applicable as there are no impact to ratios. - Seller-07/31/2025 | Resolved-After further review, the mechanics liens were paid through closing and reflected on the final CD. - Due Diligence Vendor-08/06/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR is .75, borrowers DSCR is 1.166<br>Months Reserves exceed minimum required - 6 months minimum reserves, borrower has 42.91 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4819855 |
| XXXX | 688746 | XXXX C B A | Closed | FCRE1198 | 2025-07-24 14:31 | 2025-08-25 15:10 | 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 0 reserves, applied to non material finding with comp factors - Due Diligence Vendor-08/25/2025 <br>Ready for Review-Document Uploaded. - Seller-08/22/2025 <br>Open-Audited Reserves of 0.06 month(s) are less than Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. - Seller-08/22/2025<br>| Waived-Originator provided a waiver for 0 reserves, applied to non material finding with comp factors - Due Diligence Vendor-08/25/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 35.76%<br>LTV is less than guideline maximum - Lender max LTV 80%, subject LTV 70%. | Residual Income > 1.5 times $3,500 monthly residual required.<br> Qualifying DTI<5% below maximum allowed. | XXXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXX | XX | Second Home | Purchase | NA | Originator Post-Close | Yes | 4937658 |
| XXXX | 688747 | XXXX C A | Closed | finding-651 | 2025-07-21 11:30 | 2025-09-17 07:40 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Received corrected PCCD, Letter of explanation, copy of check for XXXX and proof of delivery. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. LOE to borrower uploaded - Seller-09/15/2025 <br> Counter-Received lender email as LOE however, we still need the Letter of Explanation that was provided to borrower with the refund package. Finding remains. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Per attached LOE "TC done as a Title Fee was not marked as an APR". Also, the finance charge can be understated by up to XXXX without any tolerance cure. We are now in that range. Please clear finding - Seller-09/12/2025 <br> Counter-Rec'd PCCD issued XXXX, FedEx Shipping Label and copy of check payable to borrower in the amount of XXXX. Missing Letter of Explanation, please provide. Total amount of tolerance is XXXX. Refund is short XXXX. - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. Tolerance cure issued and supporting documents uploaded - Seller-09/10/2025 <br> Counter-The CompEase report has been uploaded to the loan bulletin XXXX. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Please provide more information, Lender requests PDF/Report with a full breakdown of how Clarifii calculated the finance charge? - Seller-09/04/2025 <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. -----The finance charge is not considered accurate because it is understated by more than XXXX at 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-07/21/2025 | Ready for Review-Document Uploaded. LOE to borrower uploaded - Seller-09/15/2025 <br> Ready for Review-Per attached LOE "TC done as a Title Fee was not marked as an APR". Also, the finance charge can be understated by up to XXXX without any tolerance cure. We are now in that range. Please clear finding - Seller-09/12/2025 <br> Ready for Review-Document Uploaded. Tolerance cure issued and supporting documents uploaded - Seller-09/10/2025 <br> Ready for Review-Please provide more information, Lender requests PDF/Report with a full breakdown of how Clarifii calculated the finance charge? - Seller-09/04/2025 | Resolved-Received corrected PCCD, Letter of explanation, copy of check for XXXX and proof of delivery. - Due Diligence Vendor-09/17/2025 | Long term residence - Rented for 4 years, no lates<br>Qualifying DTI below maximum allowed - Max DTI is 45%, borrowers DTI is 42.34% |  | XXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4888073 |
| XXXX | 688748 | XXXX C A | Closed | finding-651 | 2025-09-04 08:13 | 2025-09-09 10:21 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Upon further review, no further documentation is needed or required. Daily Interest calculator was updated on note screen. - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. Disagree, please see attached - Seller-09/08/2025 <br> Open-\*\*\*NEW\*\*\*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 at 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. - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. Disagree, please see attached - Seller-09/08/2025<br>| Resolved-Upon further review, no further documentation is needed or required. Daily Interest calculator was updated on note screen. - Due Diligence Vendor-09/09/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 25.76%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers FICO is 702 |  | XXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5406379 |
| XXXX | 688748 | XXXX C A | Closed | finding-3732 | 2025-09-04 08:13 | 2025-09-09 10:21 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved-Upon further review, no further documentation is needed or required. Daily Interest calculator was updated on note screen. - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. Disagree, please see attached - Seller-09/08/2025 <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 XXXX and the provided reimbursement amount of XXXX is not sufficient to cure the inaccuracy....Total of payments is understated by XXXX which exceeds threshold of XXXX. Provide evidence of refund or principal reduction for XXXX or, at a minimum, to the XXXX threshold, post-close CD, LOE and evidence of delivery to the borrower within 60 days of discovery. - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. Disagree, please see attached - Seller-09/08/2025<br>| Resolved-Upon further review, no further documentation is needed or required. Daily Interest calculator was updated on note screen. - Due Diligence Vendor-09/09/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 25.76%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers FICO is 702 |  | XXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5406380 |
| XXXX | 688748 | XXXX C A | Closed | finding-3617 | 2025-07-21 12:06 | 2025-09-04 08:14 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received PCCD with disbursement date of XXXX. Finding resolved. - Due Diligence Vendor-09/04/2025 <br> Ready for Review-Document Uploaded. - Seller-09/03/2025 <br> Counter-CD XXXX referenced on page 130-134 in packet is final hand signed on XXXX. Provide final CD with correct disbursement date. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Disagree, the tentative XXXX Closing disclosure provided in initial packet, pages 130-134 is not the Final closing disclosure. - Seller-07/26/2025 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. -----Final CD shows disbursement date of XXXX, but closing date is XXXX. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. - Seller-09/03/2025 <br> Ready for Review-Disagree, the tentative XXXX Closing disclosure provided in initial packet, pages 130-134 is not the Final closing disclosure. - Seller-07/26/2025 | Resolved-Received PCCD with disbursement date of XXXX. Finding resolved. - Due Diligence Vendor-09/04/2025 | Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 25.76%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers FICO is 702 |  | XXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4888925 |
| XXXX | 692888 | XXXX D A C | Closed | FCRE1181 | 2025-07-28 07:35 | 2025-08-28 14:53 | Resolved | 1 - Information C A | Credit | Insurance | Subject loan is in Flood Zone and Notice of Special Flood Hazard Disclosure Not Completed | Resolved-Received Notice of SFH. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. see page 412, that is the signed disclosure... I attached the copy we have in file in XXXX - Seller-08/27/2025 <br> Ready for Review-Document Uploaded. the disclosure copy is located on page 296, please see attached audit trail via XXXX tracking - Seller-08/27/2025 <br> Counter-Reviewer was unable to locate executed form-please provide fully executed Special Flood Hazard Disclosure. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Disagree - Notice of Special Flood Hazard Disclosure was sent and received through the initial disclosures. System shows the e-tracking: the said documentation was viewed and consented on XXXX, Esigned on XXXX 10:15AM. Thank you - Seller-08/06/2025 <br> Open-Subject Property is in Flood Zone AE but Notice of Special Flood Hazard Disclosure was not provided Missing the signed and dated Notice of Special Flood Hazard Disclosure. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. see page 412, that is the signed disclosure... I attached the copy we have in file in XXXX - Seller-08/27/2025 <br> Ready for Review-Document Uploaded. the disclosure copy is located on page 296, please see attached audit trail via XXXX tracking - Seller-08/27/2025 <br> Ready for Review-Disagree - Notice of Special Flood Hazard Disclosure was sent and received through the initial disclosures. System shows the e-tracking: the said documentation was viewed and consented on XXXX, Esigned on XXXX 10:15AM. Thank you - Seller-08/06/2025 | Resolved-Received Notice of SFH. - Due Diligence Vendor-08/28/2025<br>| DSCR % greater than 1.20 - DSCR % greater than 1.20- Borrower's DSCR is 1.265%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 776 |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Purchase | NA | N/A | N/A | 4961170 |
| XXXX | 692888 | XXXX D A C | Closed | FPRO1253 | 2025-07-28 07:30 | 2025-08-07 15:00 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-08/07/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-08/06/2025 <br>Open-Additional valuation product has not been provided. Missing an additional valuation product to support the subject's value. - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/06/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-08/07/2025<br>| DSCR % greater than 1.20 - DSCR % greater than 1.20- Borrower's DSCR is 1.265%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 776 |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Purchase | NA | N/A | N/A | 4961119 |
| XXXX | 697343 | XXXX D A | Closed | FCRE1325 | 2025-07-30 17:26 | 2025-08-27 16:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-After further review borrower is 100% owner of the business- Borrower goes by XXXX, Online and through the business he uses XXXX which is short for XXXX Business address and information provided matches the online searches through Open Corporates- condition resolved - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Please waive as the PTIN documentation confirms 100% ownership, which aligns with the applicable guidelines. Furthermore, it is important to clarify that all individuals listed below may be identified as key participants in the business, despite holding 0% ownership. - Seller-08/25/2025 <br> Open-Borrower 1 CPA Letter Missing Loan file contains a letter from PTIN stating borrower is 100% owner of the business. However, audit review of entity details via XXXX reflects the borrower is not listed as an owner. Please provide Entity documents (Articles of Organization, Operating Agreement) to verify borrower is 100% owner of the business. Additional conditions may apply. - Due Diligence Vendor-07/30/2025 | Ready for Review-Please waive as the PTIN documentation confirms 100% ownership, which aligns with the applicable guidelines. Furthermore, it is important to clarify that all individuals listed below may be identified as key participants in the business, despite holding 0% ownership. - Seller-08/25/2025<br>| Resolved-After further review borrower is 100% owner of the business- Borrower goes by XXXX, Online and through the business he uses "XXXX" which is short for XXXX Business address and information provided matches the online searches through Open Corporates- condition resolved - Due Diligence Vendor-08/27/2025 | Months Reserves exceed minimum required - Lender minimum reserves 12m PITIA, borrower reserves 20.83m.<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 38.45%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5001131 |
| XXXX | 697343 | XXXX D A | Closed | FCRE1506 | 2025-07-30 17:27 | 2025-08-27 16:56 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-08/27/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Audit requested additional documentation to verify borrower's ownership of business reflected on bank statements. - Due Diligence Vendor-07/30/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-08/27/2025<br>| Months Reserves exceed minimum required - Lender minimum reserves 12m PITIA, borrower reserves 20.83m.<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 38.45%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5001153 |
| XXXX | 699011 | XXXX D A | Closed | FCRE1437 | 2025-08-08 16:49 | 2025-08-28 15:11 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Upon further review, the LOE provided explains the gap of employment. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-We respectfully disagree. Additional documentation is not required as the borrower confirms in the LOE that he was recruited at XXXX Recruiting Inc on XXXX as a temp to hire working for XXXX. He then was brought on a full-time permanent employee at XXXX on XXXX. This can be considered as the same job with over 6-mo current on it. - Seller-08/26/2025 <br> Counter-Received employment gap letter-borrower states he was converted from recruiting firm to employee. Provide acceptable verification of gap of employment less than 6 months. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/25/2025 <br> Open-Income and Employment Do Not Meet Guidelines Borrower must be employed for a minimum of 6 months with current employer due to the gap in employment - Due Diligence Vendor-08/08/2025 | Ready for Review-We respectfully disagree. Additional documentation is not required as the borrower confirms in the LOE that he was recruited at XXXX on XXXX as a temp to hire working for XXXX. He then was brought on a full-time permanent employee at XXXX on XXXX. This can be considered as the same job with over 6-mo current on it. - Seller-08/26/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/25/2025 | Resolved-Upon further review, the LOE provided explains the gap of employment. - Due Diligence Vendor-08/28/2025<br>| LTV is less than guideline maximum - Max LTV 75%- Borrower's LTV 30% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 740 - Borrower's FICO 789 |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5118317 |
| XXXX | 699011 | XXXX D A | Closed | FCRE4165 | 2025-08-06 13:39 | 2025-08-26 15:05 | Resolved | 1 - Information C A | Credit | Income/Employment | Employment Gaps in Employment Without Sufficient Explanation | Resolved-Received employment gap letter. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Please see attached. - Seller-08/25/2025 <br> Open-Employment gaps of more than 60 days within the most recent two year period require a satisfactory . However, the borrower had a gap of employment from XXXX through XXXX, or 123 days, a LOE was not contained in the loan file - Due Diligence Vendor-08/08/2025 | Ready for Review-Please see attached. - Seller-08/25/2025<br>| Resolved-Received employment gap letter. - Due Diligence Vendor-08/26/2025<br>| LTV is less than guideline maximum - Max LTV 75%- Borrower's LTV 30% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 740 - Borrower's FICO 789 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5078669 |
| XXXX | 699011 | XXXX D A | Closed | FCRE0044 | 2025-08-05 14:02 | 2025-08-26 15:01 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/25/2025 <br> Counter-Duplicate documentation provided. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/07/2025 <br> Counter-Received commentary all inquiries were transaction related-LOE for credit inquiries required as not all by lender or broker. Finding remains. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-We respectfully disagree. As evidenced by the documents in the loan file, all inquiries all related to the subject transaction. The loan file contained credit report from XXXX, the reporting agency, and another report requested by the Lender, XXXX. Any additional explanations are not necessary. - Seller-08/05/2025 <br> Open-LOX for credit inquiries is missing. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/25/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/07/2025 <br> Ready for Review-We respectfully disagree. As evidenced by the documents in the loan file, all inquiries all related to the subject transaction. The loan file contained credit report from XXXX, the reporting agency, and another report requested by the Lender, XXXX. Any additional explanations are not necessary. - Seller-08/05/2025 | Resolved-Received credit inquiry LOE - Due Diligence Vendor-08/26/2025<br>| LTV is less than guideline maximum - Max LTV 75%- Borrower's LTV 30% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 740 - Borrower's FICO 789 |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5062640 |
| XXXX | 699011 | XXXX D A | Closed | FCRE7806 | 2025-08-05 13:37 | 2025-08-26 15:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received income calculation worksheet. - Due Diligence Vendor-08/26/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/25/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing the Income Calculation Worksheets for B1, B2 and Real Estate Owned. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/25/2025<br>| Resolved-Received income calculation worksheet. - Due Diligence Vendor-08/26/2025<br>| LTV is less than guideline maximum - Max LTV 75%- Borrower's LTV 30% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 740 - Borrower's FICO 789 |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5062072 |
| XXXX | 699011 | XXXX D A | Closed | FCRE0136 | 2025-08-05 14:16 | 2025-08-12 15:42 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Underwriter Attestation | Resolved-Received 1008 confirming warrantable Type Q. - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/08/2025 <br>Open-Missing Underwriter Attestation. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/08/2025<br>| Resolved-Received 1008 confirming warrantable Type Q. - Due Diligence Vendor-08/12/2025<br>| LTV is less than guideline maximum - Max LTV 75%- Borrower's LTV 30% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 740 - Borrower's FICO 789 |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5062968 |
| XXXX | 699011 | XXXX D A | Closed | FCRE7497 | 2025-08-05 14:16 | 2025-08-07 16:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received CD for 3c - Due Diligence Vendor-08/07/2025 <br>Ready for Review-Document Uploaded. Please see attached Final CD from the simultaneous closing for the property in question. - Seller-08/05/2025 <br>Open-Missing the taxes for property 3c. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please see attached Final CD from the simultaneous closing for the property in question. - Seller-08/05/2025<br>| Resolved-Received CD for 3c - Due Diligence Vendor-08/07/2025<br>| LTV is less than guideline maximum - Max LTV 75%- Borrower's LTV 30% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 740 - Borrower's FICO 789 |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5062943 |
| XXXX | 699011 | XXXX D A | Closed | FCRE1330 | 2025-08-05 14:15 | 2025-08-07 16:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Received pay statements for Borrower 1 - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/05/2025 <br> Open-Borrower 1 Paystubs Missing Missing for B1 paystubs for new employment with XXXX. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/05/2025<br>| Resolved-Received pay statements for Borrower 1 - Due Diligence Vendor-08/07/2025<br>| LTV is less than guideline maximum - Max LTV 75%- Borrower's LTV 30% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 740 - Borrower's FICO 789 |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5062920 |
| XXXX | 699011 | XXXX D A | Closed | FCRE5116 | 2025-08-05 15:11 | 2025-08-07 16:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received confirmation of 10 months mortgage history report-life of loan. - Due Diligence Vendor-08/07/2025 <br> Ready for Review- We respectfully disagree. The credit reported the XXXX mortgage for 6 months. In addition, a previous related mortgage with XXXX was reported with an open date of XXXX. Therefore, a full payment history was reported for the property 3B. - Seller-08/05/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing a full 12 mos mortgage history on the mortgage for property 3B (have only 6 mos reporting on the credit report) - Due Diligence Vendor-08/05/2025 | Ready for Review- We respectfully disagree. The credit reported the XXXX mortgage for 6 months. In addition, a previous related mortgage with XXXX was reported with an open date of XXXX. Therefore, a full payment history was reported for the property 3B. - Seller-08/05/2025 | Resolved-Received confirmation of 10 months mortgage history report-life of loan. - Due Diligence Vendor-08/07/2025<br>| LTV is less than guideline maximum - Max LTV 75%- Borrower's LTV 30% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 740 - Borrower's FICO 789 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5064258 |
| XXXX | 699011 | XXXX D A | Closed | FCOM9451 | 2025-08-05 15:31 | 2025-08-07 15:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Property 2: Missing Lease Agreement | Resolved-Received lease agreement for 3b. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/05/2025 <br> Open-Missing the lease agreement for Property 3B for XXXX/mos<br> - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/05/2025<br>| Resolved-Received lease agreement for 3b. - Due Diligence Vendor-08/07/2025<br>| LTV is less than guideline maximum - Max LTV 75%- Borrower's LTV 30% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 740 - Borrower's FICO 789 |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5064723 |
| XXXX | 699025 | XXXX D B A | Closed | FCRE1173 | 2025-08-04 16:31 | 2025-08-12 14:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Received master insurance policy. - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. Please see attached master policy - Seller-08/11/2025 <br>Counter-HO6 policy provided. Please provide the Master Policy. - Due Diligence Vendor-08/07/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/05/2025 <br>Open-Must meet guideline and minimum liability coverage requirements. - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. Please see attached master policy - Seller-08/11/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/05/2025<br>| Resolved-Received master insurance policy. - Due Diligence Vendor-08/12/2025<br>| LTV is less than guideline maximum - Max LTV 80%- Borrower's LTV 52.63% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Borrower's FICO 806 |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5048883 |
| XXXX | 699025 | XXXX D B A | Closed | FCRE1345 | 2025-08-04 17:15 | 2025-08-04 17:17 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Waived-Originator exception granted to allow vacant property with no prior rent documented on subject. Non-material waiver applied with comp factors. Deemed non-material due to experienced investor owns another investment property and owns primary 10+ years on time mortgage history. - Due Diligence Vendor-08/04/2025 <br>Open-Vacant property not allowed to cash out and no prior rental history provided. - Due Diligence Vendor-08/04/2025 |  | Waived-Originator exception granted to allow vacant property with no prior rent documented on subject. Non-material waiver applied with comp factors. Deemed non-material due to experienced investor owns another investment property and owns primary 10+ years on time mortgage history. - Due Diligence Vendor-08/04/2025<br>| LTV is less than guideline maximum - Max LTV 80%- Borrower's LTV 52.63% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Borrower's FICO 806 | FICO 20+ points over minimum<br> LTV 5% below max |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5049833 |
| XXXX | 699029 | XXXX D A | Closed | FCRE7806 | 2025-08-05 16:46 | 2025-08-28 16:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received worksheet for both borrowers. - Due Diligence Vendor-08/28/2025 <br>Ready for Review-Document Uploaded. - Seller-08/26/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-08/26/2025 <br>Counter-Received REO calculation-pending receipt of business bank statement analysis. - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. Please see attached Schedule E REO calc, Income calc to follow - Seller-08/11/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Provide Income Calculation Worksheet for B1, B2 and Real Estate Owned. Upon receipt additional conditions may apply. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. - Seller-08/26/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-08/26/2025 <br>Ready for Review-Document Uploaded. Please see attached Schedule E REO calc, Income calc to follow - Seller-08/11/2025<br>| Resolved-Received worksheet for both borrowers. - Due Diligence Vendor-08/28/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrowers have 12.92 mths in reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Borrower's FICO 789 |  | XXXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5066329 |
| XXXX | 699029 | XXXX D A | Closed | FCRE1360 | 2025-08-05 17:15 | 2025-08-28 16:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Paystubs Missing | Resolved-Received pay statements. - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-08/11/2025 <br>Open-Borrower 2 Paystubs Missing Missing B2 current paystubs. Upon receipt additional conditions may apply. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/11/2025<br>| Resolved-Received pay statements. - Due Diligence Vendor-08/12/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrowers have 12.92 mths in reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Borrower's FICO 789 |  | XXXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5066828 |
| XXXX | 699029 | XXXX D A | Closed | FCRE1437 | 2025-08-08 16:54 | 2025-08-28 16:04 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-LOE provided, borrower was working as temp to perm. - Due Diligence Vendor-08/28/2025 <br>Ready for Review-Document Uploaded. - Seller-08/26/2025 <br>Open-Income and Employment Do Not Meet Guidelines Borrower must be employed for a minimum of 6 months with current employer due to the gap in employment - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. - Seller-08/26/2025<br>| Resolved-LOE provided, borrower was working as temp to perm. - Due Diligence Vendor-08/28/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrowers have 12.92 mths in reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Borrower's FICO 789 |  | XXXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5118422 |
| XXXX | 699029 | XXXX D A | Closed | FCRE4165 | 2025-08-08 16:54 | 2025-08-28 16:03 | Resolved | 1 - Information C A | Credit | Income/Employment | Employment Gaps in Employment Without Sufficient Explanation | Resolved-LOE provided, borrower was working as temp to perm for the last 6 months. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. - Seller-08/26/2025 <br> Ready for Review-Document Uploaded. The borrower confirms in LOE that he was recruited at XXXX on XXXX temp to hire working for XXXX. He then was brought on a full-time permanent employee on XXXX with XXXX. This can be considered as the same job with over 6-mo current on it. Please see attached - Seller-08/26/2025 <br> Open-The borrower had a gap of employment from XXXX through XXXX, or 123 days, a LOE was not contained in the loan file - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. - Seller-08/26/2025 <br> Ready for Review-Document Uploaded. The borrower confirms in LOE that he was recruited at XXXX on XXXX temp to hire working for XXXX. He then was brought on a full-time permanent employee on XXXX with XXXX. This can be considered as the same job with over 6-mo current on it. Please see attached - Seller-08/26/2025 | Resolved-LOE provided, borrower was working as temp to perm for the last 6 months. - Due Diligence Vendor-08/28/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrowers have 12.92 mths in reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Borrower's FICO 789 |  | XXXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5118421 |
| XXXX | 699029 | XXXX D A | Closed | FCRE5116 | 2025-08-06 09:39 | 2025-08-20 14:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received the XXXX Payment. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Please review pages 155-156 of initial package, documentation reflects XXXX payment paid…. <br> - Seller-08/18/2025 <br> Counter-Property acquired XXXX-missing proof of XXXX payment made to complete life of loan payment history. - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. Loancare Mtg Date opened is XXXX for loan amount of XXXX which would have an XXXX first payment was paid up to XXXX before being transferred to XXXX, which rated the mortgage up to date. No further docs needed for this. <br> Borrower's primary home meets the housing per guideline - Properties owned free and clear are considered 0x30. <br> - Seller-08/11/2025 <br> Open- Missing a full 12 mos mortgage history on the mortgage for property 3B. Current lender (Loancare) is showing 6 mos reviewed. Previous lender, XXXX, is showing 4 mos reviewed. Need a full 12 mos reviewed) - Due Diligence Vendor-08/06/2025 | Ready for Review-Please review pages 155-156 of initial package, documentation reflects XXXX payment paid…. <br> - Seller-08/18/2025 <br> Ready for Review-Document Uploaded. XXXX Mtg Date opened is XXXX for loan amount of XXXX which would have an XXXX first payment was paid up to XXXX before being transferred to XXXX, which rated the mortgage up to date. No further docs needed for this. <br> Borrower's primary home meets the housing per guideline - Properties owned free and clear are considered 0x30. <br> - Seller-08/11/2025 | Resolved-Received the June Payment. - Due Diligence Vendor-08/20/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrowers have 12.92 mths in reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Borrower's FICO 789 |  | XXXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5072711 |
| XXXX | 699029 | XXXX D A | Closed | FCRE1483 | 2025-08-06 09:19 | 2025-08-12 14:28 | Resolved | 1 - Information C A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Received final CD. - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-08/11/2025 <br> Open-Asset 5 Does Not Meet Guideline Requirements Missing the fully executed Closing Disclosure on XXXX w/net proceeds of XXXX - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/11/2025<br>| Resolved-Received final CD. - Due Diligence Vendor-08/12/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrowers have 12.92 mths in reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Borrower's FICO 789 |  | XXXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5072391 |
| XXXX | 699033 | XXXX D A | Closed | FCRE7497 | 2025-08-04 15:40 | 2025-08-08 13:48 | 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 monthly HOA. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. Please see printout from XXXX which shows the monthly HOA of $50/mth. We note that the HOA used to qualify was higher and had no negative impact on the decision. It is our position no additional information is required, as we used a more conservative amount and the DTI is still well below the amount allowed for qualifying. Can this please be cleared. - Seller-08/07/2025 <br> Counter-Property Detail Report for 3l (Land Only). Please provide the HOA verification for 3c - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Please note regarding property 3C (XXXX): the XXXX are HOA dues. Regarding property 3L (XXXX): the property is land only. Please refer to the attached property profile. <br>- Seller-08/04/2025 <br> Open-Missing proof of what the XXXX for property 3 c and what the difference of XXXX for property 3l is (HOI or HOA)? - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. Please see printout from XXXX which shows the monthly HOA of $50/mth. We note that the HOA used to qualify was higher and had no negative impact on the decision. It is our position no additional information is required, as we used a more conservative amount and the DTI is still well below the amount allowed for qualifying. Can this please be cleared. - Seller-08/07/2025 <br> Ready for Review-Document Uploaded. Please note regarding property 3C (XXXX): the XXXX are HOA dues. Regarding property 3L (XXXX): the property is land only. Please refer to the attached property profile. <br>- Seller-08/04/2025 | Resolved-Received confirmation of monthly HOA. - Due Diligence Vendor-08/08/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrowers DTI is 33.06%<br>Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrowers have 38.06 mths in reserves |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Purchase | NA | N/A | N/A | 5047781 |
| XXXX | 699033 | XXXX D A | Closed | FPRO1242 | 2025-08-04 14:55 | 2025-08-08 13:27 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/04/2025 <br>Open-Appraisal is Missing Missing the subject's appraisal with all attachments. - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/04/2025<br>| Resolved-Received Appraisal - Due Diligence Vendor-08/06/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrowers DTI is 33.06%<br>Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrowers have 38.06 mths in reserves |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Purchase | NA | N/A | N/A | 5046628 |
| XXXX | 699033 | XXXX D A | Closed | FPRO1136 | 2025-08-06 16:26 | 2025-08-08 13:27 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Received 1004D - Due Diligence Vendor-08/08/2025 <br>Ready for Review-Please note 1004D was uploaded in original file uploaded in pages 737-743 - Seller-08/07/2025 <br>Ready for Review-Document Uploaded. - Seller-08/07/2025 <br>Ready for Review-Please waive condition as 1004D is uploaded under placeholder 1004D showing repairs have been completed - Seller-08/06/2025 <br>Open-\*New\* Missing the 1004 D - Due Diligence Vendor-08/06/2025 | Ready for Review-Please note 1004D was uploaded in original file uploaded in pages 737-743 - Seller-08/07/2025 <br>Ready for Review-Document Uploaded. - Seller-08/07/2025 <br>Ready for Review-Please waive condition as 1004D is uploaded under placeholder 1004D showing repairs have been completed - Seller-08/06/2025<br>| Resolved-Received 1004D - Due Diligence Vendor-08/08/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrowers DTI is 33.06%<br>Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrowers have 38.06 mths in reserves |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Purchase | NA | N/A | N/A | 5082604 |
| XXXX | 699033 | XXXX D A | Closed | FCOM1352 | 2025-08-04 14:47 | 2025-08-07 15:52 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Upon further review, Affidavit is only required for DSCR/No Ratio Loans. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Please waive. This did not close as a business purpose loan. Alt Doc purchase of investment property. Business purpose not selected and did not vest in LLC - Seller-08/06/2025 <br> Counter-Transaction is a Purchase of an investment property. Business Purpose Affidavit is required. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-We respectfully disagree. The subject loan did not close as a Business Purpose loan; therefore, the requested affidavit is not applicable to the transaction. - Seller-08/05/2025 <br> Ready for Review-We respectfully disagree. The subject loan did not close as a Business Purpose loan; therefore, the requested affidavit is not applicable to the transaction. - Seller-08/04/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Missing Business Affidavit Disclosure. - Due Diligence Vendor-08/04/2025 | Ready for Review-Please waive. This did not close as a business purpose loan. Alt Doc purchase of investment property. Business purpose not selected and did not vest in LLC - Seller-08/06/2025 <br> Ready for Review-We respectfully disagree. The subject loan did not close as a Business Purpose loan; therefore, the requested affidavit is not applicable to the transaction. - Seller-08/05/2025 <br> Ready for Review-We respectfully disagree. The subject loan did not close as a Business Purpose loan; therefore, the requested affidavit is not applicable to the transaction. - Seller-08/04/2025 | Resolved-Upon further review, Affidavit is only required for DSCR/No Ratio Loans. - Due Diligence Vendor-08/07/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrowers DTI is 33.06%<br>Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrowers have 38.06 mths in reserves |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Purchase | NA | N/A | N/A | 5046446 |
| XXXX | 699041 | XXXX C A | Closed | FCRE1440 | 2025-08-04 10:28 | 2025-09-22 10:24 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements as the mortgage in question was the borrower's business and would be considered commercial. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Please clear, your comments shows items provided suffice, however status shows as counter. "After further review, documents provided does reflect current information not reflecting late fees and since this is an interest only it appears the amount is correct up through XXXX. Commercial loan is private lender with statement provided in the loan file- lender provided payoff statement which did not reflect any late fees. Per guidelines, and since loan is private, either a VOM or full payment history is required. Current payoff provided is YTD, does not reflect past possible lates, etc." - Seller-09/18/2025 <br> Counter-After further review, documents provided does reflect current information not reflecting late fees and since this is an interest only it appears the amount is correct up through XXXX. Commercial loan is private lender with statement provided in the loan file- lender provided payoff statement which did not reflect any late fees. Per guidelines, and since loan is private, either a VOM or full payment history is required. Current payoff provided is YTD, does not reflect past possible lates, etc. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Please escalate to manager and clear finding, Lender notes payoff dated XXXX reflects information to verify and confirm Mtg in question has no late payments with interest only payments plan and the only interest due to close is reflecting on the Pay off demand. Interest due amount of XXXX is for the 17 days from XXXX to the payoff date XXXX. - Seller-09/09/2025 <br> Counter-Pay off statement provided, please provide the full payment history as required by the guidelines. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. lender notes the loan in question is an interest only payment plan and the only interest due to close is reflecting on the Pay off demand. no late payments has been verified - Seller-09/04/2025 <br> Counter-Received payoff-please provide VOM or other acceptable documentation confirming payment history. - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. please see Note section 11 use of proceeds, Interest only Business Loan paid to XXXX, private loan is not on Credit report, this is a business loan obligation. 7.9 statement from XXXX shows no payment lates, never late, with an XXXX payment due at the time of closing. Please see attached, Please clear - Seller-08/18/2025 <br> Counter-Received rebuttal housing history not required on commercial property--Note received reflects Individual obligation through Trust-not secured by business entity-finding remains-Missing the payment History for XXXX on property 3b since it's inception - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Disagree, Housing history does not apply due to the Property 3b is a commercial property XXXX - Seller-08/08/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing the payment History for XXXX on property 3b since it's inception to show a timely payment history. - Due Diligence Vendor-08/04/2025 | Ready for Review-Please clear, your comments shows items provided suffice, however status shows as counter. "After further review, documents provided does reflect current information not reflecting late fees and since this is an interest only it appears the amount is correct up through XXXX. Commercial loan is private lender with statement provided in the loan file- lender provided payoff statement which did not reflect any late fees. Per guidelines, and since loan is private, either a VOM or full payment history is required. Current payoff provided is YTD, does not reflect past possible lates, etc." - Seller-09/18/2025 <br> Ready for Review-Please escalate to manager and clear finding, Lender notes payoff dated XXXX reflects information to verify and confirm Mtg in question has no late payments with interest only payments plan and the only interest due to close is reflecting on the Pay off demand. Interest due amount of XXXX is for the 17 days from XXXX to the payoff date XXXX. - Seller-09/09/2025 <br> Ready for Review-Document Uploaded. lender notes the loan in question is an interest only payment plan and the only interest due to close is reflecting on the Pay off demand. no late payments has been verified - Seller-09/04/2025 <br> Ready for Review-Document Uploaded. please see Note section 11 use of proceeds, Interest only Business Loan paid to XXXX, private loan is not on Credit report, this is a business loan obligation. 7.9 statement from Platinum Loan Services shows no payment lates, never late, with an XXXX payment due at the time of closing. Please see attached, Please clear - Seller-08/18/2025 <br> Ready for Review-Disagree, Housing history does not apply due to the Property XXXX is a commercial property XXXX - Seller-08/08/2025 | Resolved-Housing History Meets Guideline Requirements as the mortgage in question was the borrower's business and would be considered commercial. - Due Diligence Vendor-09/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 814<br>Months Reserves exceed minimum required - Min reserves req'd 3 mths- Borrower has 27.14 mths in reserves |  | XXXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5039769 |
| XXXX | 699041 | XXXX C A | Closed | FCRE1510 | 2025-07-31 08:25 | 2025-08-11 13:56 | 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-08/11/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-08/08/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description. - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/08/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 814<br>Months Reserves exceed minimum required - Min reserves req'd 3 mths- Borrower has 27.14 mths in reserves |  | XXXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5004807 |
| XXXX | 699043 | XXXX D A | Closed | FCRE7497 | 2025-07-31 12:02 | 2025-08-28 14:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received bank statement confirming XXXX payment made. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. XXXX payment was previously uploaded in the initial packet, please see p54. Also uploaded anew - Seller-08/27/2025 <br> Counter-Received HOI-missing the payment for XXXX for 3b. - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. Please see attached supporting the Taxes and Insurance obligation - Seller-08/18/2025 <br> Open-Missing for property 3b the (1) HOI and (2) the payment for XXXX. - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. XXXX payment was previously uploaded in the initial packet, please see p54. Also uploaded anew - Seller-08/27/2025 <br> Ready for Review-Document Uploaded. Please see attached supporting the Taxes and Insurance obligation - Seller-08/18/2025 | Resolved-Received bank statement confirming XXXX payment made. - Due Diligence Vendor-08/28/2025 | Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI is 29.43%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 715 |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Purchase | NA | N/A | N/A | 5008988 |
| XXXX | 699043 | XXXX D A | Closed | FCRE1241 | 2025-07-31 11:19 | 2025-08-12 15:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received ratified contract. - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. Please see attached Purchase agreement - Seller-08/08/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract is Missing. Missing the Contract of Sale for the subject property. - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. Please see attached Purchase agreement - Seller-08/08/2025<br>| Resolved-Received ratified contract. - Due Diligence Vendor-08/12/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI is 29.43%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 715 |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Purchase | NA | N/A | N/A | 5008063 |
| XXXX | 699044 | XXXX D A | Closed | FCRE1194 | 2025-08-04 12:50 | 2025-08-25 07:14 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-08/25/2025 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 70% Max LTV of 70% for ITIN - Due Diligence Vendor-08/04/2025 |  | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-08/25/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 25.10<br>Months Reserves exceed minimum required - 6 month minimum reserves, borrower has 16.39 documented |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5043828 |
| XXXX | 699044 | XXXX D A | Closed | FPRO1242 | 2025-08-05 13:14 | 2025-08-07 15:28 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal. - Due Diligence Vendor-08/07/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Due Diligence Vendor-08/05/2025 <br>Open-The subject property appraisal is missing. Upon receipt of appraisal, subject to review of secondary valuations within tolerance. - Due Diligence Vendor-08/05/2025 |  | Resolved-Received Appraisal. - Due Diligence Vendor-08/07/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 25.10<br>Months Reserves exceed minimum required - 6 month minimum reserves, borrower has 16.39 documented |  | XXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5061473 |
| XXXX | 699044 | XXXX D A | Closed | FCRE1316 | 2025-08-04 12:00 | 2025-08-06 15:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received Tax Preparer Letter. - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/04/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing CPA letter confirming self-employment for 2+ years - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/04/2025<br>| Resolved-Received Tax Preparer Letter. - Due Diligence Vendor-08/06/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 25.10<br>Months Reserves exceed minimum required - 6 month minimum reserves, borrower has 16.39 documented |  | XXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5042733 |
| XXXX | 699044 | XXXX D A | Closed | FCRE1325 | 2025-08-04 12:00 | 2025-08-06 15:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/04/2025 <br>Open-Borrower 1 CPA Letter Missing Missing CPA letter confirming self-employment for 2+ years - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/04/2025<br>| Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-08/06/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 25.10<br>Months Reserves exceed minimum required - 6 month minimum reserves, borrower has 16.39 documented |  | XXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5042734 |
| XXXX | 699044 | XXXX D A | Closed | FCRE1317 | 2025-08-04 12:00 | 2025-08-06 15:50 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Received Tax Preparer Letter. - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/04/2025 <br>Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Missing CPA letter confirming self-employment for 2+ years - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/04/2025<br>| Resolved-Received Tax Preparer Letter. - Due Diligence Vendor-08/06/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 25.10<br>Months Reserves exceed minimum required - 6 month minimum reserves, borrower has 16.39 documented |  | XXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5042735 |
| XXXX | 699044 | XXXX D A | Closed | FCRE1347 | 2025-08-04 12:00 | 2025-08-06 15:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received Tax Preparer Letter. - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/04/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing Missing CPA letter confirming self-employment for 2+ years - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/04/2025<br>| Resolved-Received Tax Preparer Letter. - Due Diligence Vendor-08/06/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 25.10<br>Months Reserves exceed minimum required - 6 month minimum reserves, borrower has 16.39 documented |  | XXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5042736 |
| XXXX | 699044 | XXXX D A | Closed | FCRE1355 | 2025-08-04 12:00 | 2025-08-06 15:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 CPA Letter Missing | Resolved-Received Tax Preparer Letter. - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/04/2025 <br>Open-Borrower 2 CPA Letter Missing Missing CPA letter confirming self-employment for 2+ years - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/04/2025<br>| Resolved-Received Tax Preparer Letter. - Due Diligence Vendor-08/06/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 25.10<br>Months Reserves exceed minimum required - 6 month minimum reserves, borrower has 16.39 documented |  | XXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5042737 |
| XXXX | 699044 | XXXX D A | Closed | FCRE1348 | 2025-08-04 12:00 | 2025-08-06 15:50 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 2 Total Years Employment Verified is Less Than 24 Months | Resolved-Received Tax Preparer Letter. - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/04/2025 <br>Open-Borrower 2 Total Years Employment Verified is Less Than 24 Months Missing CPA letter confirming self-employment for 2+ years - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/04/2025<br>| Resolved-Received Tax Preparer Letter. - Due Diligence Vendor-08/06/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 25.10<br>Months Reserves exceed minimum required - 6 month minimum reserves, borrower has 16.39 documented |  | XXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5042738 |
| XXXX | 699045 | XXXX D A | Closed | FCRE7497 | 2025-08-05 09:02 | 2025-09-19 08:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received property profile confirming borrower co signed HELOC and no ownership in property. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. Updated 1003 also provided - Seller-09/17/2025 <br> Ready for Review-Document Uploaded. Please see attached. XXXX does not belong to our borrower as evidenced by the Property profile and DOT. Borrower only signed for HELOC for the property in question. Please clear this finding. - Seller-09/15/2025 <br> Counter-HELOC statement received-does not reflect which property secured against. Provide HELOC agreement, credit supplement, property profile or VOM confirming. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. - Seller-08/27/2025 <br> Counter-Please provide documentation to support which property the HELOC is for. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-The payment is already accounted for in the ratio and does not pertain to our subject property, as confirmed by the title report. Please clear this finding. - Seller-08/12/2025 <br> Open-Missing clarification for the mortgage obligation with XXXX HELOC, no corresponding REO on 1003. Upon receipt additional conditions maybe required. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Updated 1003 also provided - Seller-09/17/2025 <br> Ready for Review-Document Uploaded. Please see attached. XXXX does not belong to our borrower as evidenced by the Property profile and DOT. Borrower only signed for HELOC for the property in question. Please clear this finding. - Seller-09/15/2025 <br> Ready for Review-Document Uploaded. - Seller-08/27/2025 <br> Ready for Review-The payment is already accounted for in the ratio and does not pertain to our subject property, as confirmed by the title report. Please clear this finding. - Seller-08/12/2025 | Resolved-Received property profile confirming borrower co signed HELOC and no ownership in property. - Due Diligence Vendor-09/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrowr's FICO 739<br>LTV is less than guideline maximum - Max LTV 85%- Borrower's LTV 44.14% |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5055572 |
| XXXX | 699045 | XXXX D A | Closed | FCRE6618 | 2025-08-05 08:19 | 2025-08-28 14:40 | Resolved | 1 - Information B A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received rent free letter. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/27/2025 <br> Ready for Review-Document Uploaded. - Seller-08/27/2025 <br> Counter-1008, 1003 and property detail report provided to support no ownership and rent free. Please provide the Rent Free letter from the property owner. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. - Seller-08/11/2025 <br> Ready for Review-Document Uploaded. - Seller-08/11/2025 <br> Ready for Review-Document Uploaded. Please see attached. Borrower does not own XXXX. - Seller-08/11/2025 <br> Ready for Review-Final 1003/1008 was corrected/updated. The borrower's primary residence - XXXX shows no primary housing expense. - Seller-08/11/2025 <br> Open-Missing updated final 1003 to include the property that is the borrower's current residence and the housing payment for it (to match the final 1008 provided with housing of XXXX/mth for the primary).<br> - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/27/2025 <br> Ready for Review-Document Uploaded. - Seller-08/27/2025 <br> Ready for Review-Document Uploaded. - Seller-08/11/2025 <br> Ready for Review-Document Uploaded. - Seller-08/11/2025 <br> Ready for Review-Document Uploaded. Please see attached. Borrower does not own XXXX. - Seller-08/11/2025 <br> Ready for Review-Final 1003/1008 was corrected/updated. The borrower's primary residence - XXXX shows no primary housing expense. - Seller-08/11/2025 | Resolved-Received rent free letter. - Due Diligence Vendor-08/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrowr's FICO 739<br>LTV is less than guideline maximum - Max LTV 85%- Borrower's LTV 44.14% |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5055066 |
| XXXX | 699050 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 699051 | XXXX D A C | Closed | FCRE0136 | 2025-08-01 16:41 | 2025-08-12 14:11 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Underwriter Attestation | Resolved-Received 1008 confirming Warrantable Type S condo. - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. Warrantable condo. Please see updated 1008 - Seller-08/11/2025 <br>Open-Missing Underwriter Attestation for the Condo. - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. Warrantable condo. Please see updated 1008 - Seller-08/11/2025<br>| Resolved-Received 1008 confirming Warrantable Type S condo. - Due Diligence Vendor-08/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrower's FICO 764<br>Months Reserves exceed minimum required - Min reserves required 3 mths- Borrower has 69.28 mths in reserves |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5029855 |
| XXXX | 699051 | XXXX D A C | Closed | FPRO1253 | 2025-08-01 16:20 | 2025-08-12 14:08 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-08/11/2025 <br>Open-Additional valuation product has not been provided. Missing a secondary valuation product to support the subject's value. - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/11/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-08/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrower's FICO 764<br>Months Reserves exceed minimum required - Min reserves required 3 mths- Borrower has 69.28 mths in reserves |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5029510 |
| XXXX | 699140 | XXXX C A | Closed | FCRE1160 | 2025-08-01 09:50 | 2025-09-18 17:26 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Received revised policy dated prior to closing. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. Corrected HOI uploaded - Seller-09/16/2025 <br> Counter-Please provide the corrected HOI policy reflecting the correct expiration date. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Please waive finding. This is a purchase transaction. Per HOI total annual premium is XXXX which was also paid out w/ funds to close per CD. Since this is an annual premium and the amount was paid at closing, exp date would be XXXX and XXXX is an error - Seller-08/29/2025 <br> Open-Hazard Insurance Expiration Date of XXXX is prior to or equal to the Note Date of XXXX - Expiration Date on policy should be XXXX - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. Corrected HOI uploaded - Seller-09/16/2025 <br> Ready for Review-Please waive finding. This is a purchase transaction. Per HOI total annual premium is 2199.00 which was also paid out w/ funds to close per CD. Since this is an annual premium and the amount was paid at closing, exp date would be XXXX and XXXX is an error - Seller-08/29/2025 | Resolved-Received revised policy dated prior to closing. - Due Diligence Vendor-09/18/2025<br>| Months Reserves exceed minimum required - 9 months minimum reserves required, borrower has 16.69 documented<br>LTV is less than guideline maximum - Max LTV is 85%, borrowers LTV is 80% |  | XXXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5021009 |
| XXXX | 699713 | XXXX D A C | Closed | finding-3634 | 2025-08-04 09:43 | 2025-08-13 08:17 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received PCCD dated 8/7/2025, fee moved and finding resolved. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. Please see attached PCCD. 'This fee was shopped for title and has been moved to Section C. <br> - Seller-08/12/2025 <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 $75.00.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 $75.00 (Closing Protection Letter) 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 $75.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations is 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. Please see attached PCCD. 'This fee was shopped for title and has been moved to Section C. <br> - Seller-08/12/2025<br>| Resolved-Received PCCD dated XXXX, fee moved and finding resolved. - Due Diligence Vendor-08/13/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers FICO is 779<br>LTV is less than guideline maximum - Max LTV is 80%, borrowers LTV is 75% |  | XXXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXX | XX | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5038846 |
| XXXX | 699713 | XXXX D A C | Closed | FCRE7497 | 2025-08-06 12:06 | 2025-08-08 13:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received final CD. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/07/2025 <br> Open-3B is missing taxes and insurance (XXXX) - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/07/2025<br>| Resolved-Received final CD. - Due Diligence Vendor-08/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers FICO is 779<br>LTV is less than guideline maximum - Max LTV is 80%, borrowers LTV is 75% |  | XXXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXX | XX | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5076170 |
| XXXX | 699791 | XXXX D A C | Closed | FCRE0024 | 2025-08-04 09:02 | 2025-11-25 10:17 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower has outstanding judgements according to the 1003 Declaration | Resolved-Borrower has no outstanding judgements according to the 1003 Declaration. - Due Diligence Vendor-11/25/2025 <br> Resolved-Received revised 1003, declaration g was marked yes by mistake. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-The credit report and Title report search for judgments and there were no open judgments. They would have come up in name search. The URLA was accidentally marked YES for judgments on Declarations G. - Seller-08/18/2025 <br> Counter-Received credit supplement for mortgage-Borrower has outstanding judgements according to the 1003 Declaration. Borrower has outstanding judgements according to the 1003 Declaration and paperwork was not provided. Additional conditions may apply. - Due Diligence Vendor-08/12/2025 <br> Counter-Credit Supplemental Report for the Mortgage provided, however the borrower stated on the 1003 there are outstanding judgements. - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. Please see attached credit supplement with proof of paid and closed account - Seller-08/08/2025 <br> Open-Borrower has outstanding judgements according to the 1003 Declaration. Borrower has outstanding judgements according to the 1003 Declaration and paperwork was not provided. Additional conditions may apply. - Due Diligence Vendor-08/05/2025 | Ready for Review-The credit report and Title report search for judgments and there were no open judgments. They would have come up in name search. The URLA was accidentally marked YES for judgments on Declarations G. - Seller-08/18/2025 <br>Ready for Review-Document Uploaded. Please see attached credit supplement with proof of paid and closed account - Seller-08/08/2025<br>| Resolved-Borrower has no outstanding judgements according to the 1003 Declaration. - Due Diligence Vendor-11/25/2025 <br>Resolved-Received revised 1003, declaration g was marked yes by mistake. - Due Diligence Vendor-08/20/2025<br>| Qualifying DTI below maximum allowed - DTI of 8.89% is less than the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - Verified assets of 22.79 months exceeds the minimum required of 3 months |  | XXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5038133 |
| XXXX | 699791 | XXXX D A C | Closed | FPRO1242 | 2025-08-05 07:34 | 2025-08-12 15:41 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-08/08/2025 <br>Open-Appraisal is Missing Missing appraisal report for subject property-must coincide with CU in file. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/08/2025<br>| Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-08/12/2025<br>| Qualifying DTI below maximum allowed - DTI of 8.89% is less than the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - Verified assets of 22.79 months exceeds the minimum required of 3 months |  | XXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5054634 |
| XXXX | 700313 | XXXX C A | Closed | FCRE1441 | 2025-08-07 12:23 | 2025-08-14 14:46 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Received payoff reflecting XXXX modification from XXXX-seasoning met. - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. Hello, <br> Please review payoff attached showing account indicates a partial claim w/ loan from HUD. Please also see attached HUD payoff from title. This has no impact on loan due to pay history =12months and ltv <60%. Per matrix mod <12months max LTV is 70% which out loan meets at 56%<br> - Seller-08/12/2025 <br> Counter-Payoff reflects corporate advances which are associated with escrow account. Missing payoff and clarification of HUD XXXX reflecting on final CD. Must meet guidelines. - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Please waive finding. DSCR requires 12 month payment history on subject property. Corp advances of XXXX are present each month and amount does not change. Able to verify 12 payments (XXXX through XXXX) paid each month and on time. Borrower is not responsible for subject property mortgage - Seller-08/11/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Missing clarification for the Corporate Advances on the XXXX Payoff Letter of XXXX and the payoff on the final HUD of HUD Loan of XXXX. Must meet guidelines and upon receipt, additional conditions maybe required. - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. Hello, <br> Please review payoff attached showing account indicates a partial claim w/ loan from HUD. Please also see attached HUD payoff from title. This has no impact on loan due to pay history =12months and ltv <60%. Per matrix mod <12months max LTV is 70% which out loan meets at 56%<br> - Seller-08/12/2025 <br> Ready for Review-Please waive finding. DSCR requires 12 month payment history on subject property. Corp advances of XXXX are present each month and amount does not change. Able to verify 12 payments (XXXX through XXXX) paid each month and on time. Borrower is not responsible for subject property mortgage - Seller-08/11/2025 | Resolved-Received payoff reflecting HAMP modification from XXXX-seasoning met. - Due Diligence Vendor-08/14/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrowers' FICO 723<br>Months Reserves exceed minimum required - 0 mths reserves req'd- Borrower has 54.06 mths in reserves |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5095288 |
| XXXX | 700313 | XXXX C A | Closed | FCRE1254 | 2025-08-07 12:21 | 2025-08-11 14:15 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Escrow instructions with correct vesting. - Due Diligence Vendor-08/11/2025 <br>Ready for Review-Please see attached. - Seller-08/07/2025 <br>Open-Property Title Issue Missing Title Vesting to match the Mortgage and Note. - Due Diligence Vendor-08/07/2025 | Ready for Review-Please see attached. - Seller-08/07/2025<br>| Resolved-Received Escrow instructions with correct vesting. - Due Diligence Vendor-08/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrowers' FICO 723<br>Months Reserves exceed minimum required - 0 mths reserves req'd- Borrower has 54.06 mths in reserves |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5095214 |
| XXXX | 700323 | XXXX D B A | Closed | FCRE6019 | 2025-08-07 08:35 | 2025-08-12 14:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received EAD Card and I765. - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. Back of EAD card is not necessary since we have uploaded a copy of the I-765 - Application for employment authorization which matches the info noted on the EAD card. Please clear this finding. - Seller-08/08/2025 <br> Counter-Received EAD card-please provide copy of back of card as well. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Requirement is only an OR and not an AND as per guide for non-permanent resident alien. - Seller-08/07/2025 <br> Ready for Review-Document Uploaded. DSCR Guide 4.1 Eligible Borrowers pages 9 to 10 - All non-permanent resident alien borrower(s) must verify they are legally present in the US with a copy of one of the following: VISA or EAD card. Uploaded EAD card and approval notice. Please clear this finding. - Seller-08/07/2025 <br> Open-Borrower Citizenship Documentation Is Missing Per Cup Cake Matrix dated XXXX, VISA and EAD required for Non Permanent Residents - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. Back of EAD card is not necessary since we have uploaded a copy of the I-765 - Application for employment authorization which matches the info noted on the EAD card. Please clear this finding. - Seller-08/08/2025 <br> Ready for Review-Requirement is only an OR and not an AND as per guide for non-permanent resident alien. - Seller-08/07/2025 <br> Ready for Review-Document Uploaded. DSCR Guide 4.1 Eligible Borrowers pages 9 to 10 - All non-permanent resident alien borrower(s) must verify they are legally present in the XXXX with a copy of one of the following: VISA or EAD card. Uploaded EAD card and approval notice. Please clear this finding. - Seller-08/07/2025 | Resolved-Received EAD Card and I765. - Due Diligence Vendor-08/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 760<br>Additional assets not used to qualify - Monthly payment being reduced by more than 20%. |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5089592 |
| XXXX | 700323 | XXXX D B A | Closed | FCRE1498 | 2025-08-07 08:24 | 2025-08-07 09:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Waived-Originator exception granted to allow less than one year rental experience. Non-material waiver applied with comp factors. Deemed non-material due to only two days short of one year. - Due Diligence Vendor-08/07/2025 <br> Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) EXCEPTION REQUEST: to proceed as experienced investor with borrower<br> purchasing subject investment XXXX so we're literally 2 days shy of<br> 1 year ownership if we fund on XXXX. - Due Diligence Vendor-08/07/2025 |  | Waived-Originator exception granted to allow less than one year rental experience. Non-material waiver applied with comp factors. Deemed non-material due to only two days short of one year. - Due Diligence Vendor-08/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 760<br>Additional assets not used to qualify - Monthly payment being reduced by more than 20%. | FICO 20 + points above min.<br> Monthly payment being reduced by more than 20%. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 5089457 |
| XXXX | 700712 | XXXX C B A | Closed | FCRE0108 | 2025-08-08 08:05 | 2025-09-11 17:50 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Received evidence of sufficient XXXX. - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. Please see attached policy reflecting the XXXX coverage - Seller-09/09/2025 <br> Counter-Guidelines state Projects consisting of more than 20 units require XXXX insurance. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Please waive finding. Per XXXX guides B7-4-02, XXXX Requirements for Project Developments, XXXX insurance is not required to be verified on limited condo reviews. 2nd bullet point under Determining if XXXX Insurance is Required - Seller-08/29/2025 <br> Open-XXXX Coverage not met. Missing proof of XXXX Coverage. - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. Please see attached policy reflecting the XXXX coverage - Seller-09/09/2025 <br> Ready for Review-Please waive finding. Per Fannie guides B7-4-02, XXXX Insurance Requirements for Project Developments, XXXX insurance is not required to be verified on limited condo reviews. 2nd bullet point under Determining if XXXX Insurance is Required - Seller-08/29/2025 | Resolved-Received evidence of sufficient XXXX Coverage. - Due Diligence Vendor-09/11/2025 | Verified employment history exceeds guidelines - Self Employment 6 yrs. exceeds guideline requirements of 2 yrs. <br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 41.86% |  | XXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5107164 |
| XXXX | 700712 | XXXX C B A | Closed | FCRE6844 | 2025-08-08 10:13 | 2025-08-13 14:53 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-Received gift letter for EMD. - Due Diligence Vendor-08/13/2025 <br>Ready for Review-Please see attached, missed on initial uploaded docs - Seller-08/12/2025 <br>Open-Missing gift letter for EMD - Due Diligence Vendor-08/08/2025 | Ready for Review-Please see attached, missed on initial uploaded docs - Seller-08/12/2025<br>| Resolved-Received gift letter for EMD. - Due Diligence Vendor-08/13/2025<br>| Verified employment history exceeds guidelines - Self Employment 6 yrs. exceeds guideline requirements of 2 yrs. <br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 41.86% |  | XXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5109194 |
| XXXX | 700712 | XXXX C B A | Closed | FCRE0105 | 2025-08-08 08:57 | 2025-08-08 10:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo Structural Reports not in file | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-08/08/2025 <br>Open-The file does not contain the required structural engineer report per state law. Exception Request: Exception to use the front page of the SB 326 Report along with the HOA Questionnaire supporting no repairs needed. - Due Diligence Vendor-08/08/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-08/08/2025<br>| Verified employment history exceeds guidelines - Self Employment 6 yrs. exceeds guideline requirements of 2 yrs. <br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 41.86% | - FICO 20+ points above min<br> - DTI 5% below max<br> - 6 years on job |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 5107828 |
| XXXX | 703341 | XXXX D B A | Closed | FPRO1253 | 2025-08-11 14:44 | 2025-08-19 14:15 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/18/2025 <br> Counter-Document was not attached. - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Please see attached. - Seller-08/14/2025 <br> Open-Both CU and LCA are > 2.5. Per guides - a Collateral Desktop Analysis (CDA) fromXXXX within 30 days of note date, BPO (Broker Price Opinion), Appraisal Risk Review (ARR) from XXXX, or similar independent vendor is required. - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/18/2025 <br>Ready for Review-Please see attached. - Seller-08/14/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-08/19/2025<br>| LTV is less than guideline maximum - LTV = 64.79% - Max LTV = 80%<br>Months Reserves exceed minimum required - Min reserves req'd 0 mths- Borrower has 11.39 mths in reserves |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5135405 |
| XXXX | 703341 | XXXX D B A | Closed | FCRE0140 | 2025-08-11 14:42 | 2025-08-11 14:56 | Waived | 2 - Non-Material B | Credit | Eligibility | DSCR loan does not meet program guidelines | Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Exception Approval in file for - XXXX DSCR FN :TV > 60% for refinance requires a 1.2%. Exception request to proceed at 64.79 LTV with a DSCR ratio of 1.0+. - Due Diligence Vendor-08/11/2025 |  | Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Exception Approval in file for - XXXX DSCR FN :TV > 60% for refinance requires a 1.2%. Exception request to proceed at 64.79 LTV with a DSCR ratio of 1.0+. - Due Diligence Vendor-08/11/2025 | LTV is less than guideline maximum - LTV = 64.79% - Max LTV = 80%<br>Months Reserves exceed minimum required - Min reserves req'd 0 mths- Borrower has 11.39 mths in reserves | - 3 mth + reserves above minimum<br> - Payment being reduced by over 20% |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 5135357 |
| XXXX | 703544 | XXXX C B A | Closed | FCRE9501 | 2025-08-12 07:40 | 2025-08-13 15:12 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received final CD/Settlement statement for sale of property. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. The requested document(s) were included in the uploaded loan file. Please refer to pages 24-32 and attached herein. - Seller-08/12/2025 <br> Open-Total Qualified Assets Post-Close amount is 'XXXX'. Assets are Insufficient. Per final CD EMD total is XXXX only documented EMD XXXX per contract - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. The requested document(s) were included in the uploaded loan file. Please refer to pages 24-32 and attached herein. - Seller-08/12/2025<br>| Resolved-Received final CD/Settlement statement for sale of property. - Due Diligence Vendor-08/13/2025<br>| DSCR % greater than 1.20 - DSCR 1.264<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 721 |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Purchase | NA | N/A | N/A | 5142048 |
| XXXX | 703544 | XXXX C B A | Closed | FCRE1498 | 2025-08-12 07:45 | 2025-08-12 08:37 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Waived-Originator exception granted to allow non-experienced investor as experienced investor, Non-material waiver applied with comp factors. non-material due to borrower has six months experience. - Due Diligence Vendor-08/12/2025 <br> Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) EXCEPTION REQUEST: to proceed as experienced investor who's managed<br> an investment property for only the last 6 months - Due Diligence Vendor-08/12/2025 |  | Waived-Originator exception granted to allow non0experienced investor as experienced investor, Non-material waiver applied with comp factors. non-material due to borrower has six months experience. - Due Diligence Vendor-08/12/2025<br>| DSCR % greater than 1.20 - DSCR 1.264<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 721 | -FICO 20+ points above minimum<br> -0x30 mortgage history 24months |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 5142095 |
| XXXX | 703555 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 704842 | XXXX C A | Closed | FCOM5814 | 2025-08-07 12:06 | 2025-11-18 14:12 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Received final CD XXXX with all pages present. - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. Please see attached, - Seller-08/14/2025 <br> Open-Final CD is missing pg 4. - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. Please see attached, - Seller-08/14/2025<br>| Resolved-Received final CD XXXX with all pages present. - Due Diligence Vendor-11/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score 720<br>Months Reserves exceed minimum required - 9 months reserves required, borrower has 64.97 documented |  | XXXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5094833 |
| XXXX | 704951 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 704983 | XXXX D A | Closed | FCRE1440 | 2025-08-13 14:34 | 2025-08-18 12:48 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, the loan file contained all required 12 month housing payment history documentation. - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. Please see attached Credit report. Property XXXX - current primary residence - XXXX- mortgage is with XXXX showing 5 mos reviewed from XXXX to XXXX. Previous Mtg is XXXX showing 29 mos reviewed up to XXXX. The other previous mortgage is with XXXX XXXX showing 20 months reviewed up to XXXX. Pls note the comments: Transferred to another lender; account transferred. This is an account in good standing, XXXX Account, account transferred or sold. Please clear this finding. - Seller-08/15/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing a full 12 months + rating of the mortgage for property XXXX. - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. Please see attached Credit report. Property 3a - current primary residence - XXXX- mortgage is with XXXX showing 5 mos reviewed from XXXX to XXXX. Previous Mtg is XXXX showing 29 mos reviewed up to XXXX. The other previous mortgage is with XXXX showing 20 months reviewed up to XXXX. Pls note the comments: Transferred to another lender; account transferred. This is an account in good standing, XXXX Account, account transferred or sold. Please clear this finding. - Seller-08/15/2025 | Resolved-Upon further review, the loan file contained all required 12 month housing payment history documentation. - Due Diligence Vendor-08/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrowers FICO 746 <br>Months Reserves exceed minimum required - 3 mths reserves req'd- Borrowers have 15.77 mths |  | XXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5166132 |
| XXXX | 704983 | XXXX D A | Closed | FCRE1252 | 2025-08-13 15:56 | 2025-08-18 12:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received complete preliminary title report. - Due Diligence Vendor-08/18/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/15/2025 <br>Open-Title Document is Incomplete Document is encrypted and not legible - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/15/2025<br>| Resolved-Received complete preliminary title report. - Due Diligence Vendor-08/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrowers FICO 746 <br>Months Reserves exceed minimum required - 3 mths reserves req'd- Borrowers have 15.77 mths |  | XXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5167820 |
| XXXX | 705064 | XXXX D A C | Closed | FPRO1242 | 2025-08-14 07:13 | 2025-11-18 12:15 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-11/18/2025 <br>Resolved-Received 1004 complete appraisal. - Due Diligence Vendor-08/15/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/14/2025 <br>Open-Appraisal is Missing Appraisal was not found in uploaded documents - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/14/2025<br>| Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-11/18/2025 <br>Resolved-Received 1004 complete appraisal. - Due Diligence Vendor-08/15/2025<br>| LTV is less than guideline maximum - Max LTV is 70%, borrowers LTV is 51.49%<br>Months Reserves exceed minimum required - 3 months reserves required, borrower has 12.55 |  | XXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5173542 |
| XXXX | 705064 | XXXX D A C | Closed | finding-3634 | 2025-08-07 17:36 | 2025-08-15 08:24 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, no further documentation is needed or required. - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Lender Credit in the amount of XXXX was issued on Final CD XXXX for increase in fee above legal limit. Resolved- Please clear this finding per your comment that it is resolved. - Seller-08/14/2025 <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 XXXX.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). ------Lender Credit in the amount of XXXX was issued on Final CD XXXX for increase in fee above legal limit. Resolved - Due Diligence Vendor-08/07/2025 | Ready for Review-Lender Credit in the amount of XXXX was issued on Final CD XXXX for increase in fee above legal limit. Resolved- Please clear this finding per your comment that it is resolved. - Seller-08/14/2025 | Resolved-Upon further review, no further documentation is needed or required. - Due Diligence Vendor-08/15/2025<br>| LTV is less than guideline maximum - Max LTV is 70%, borrowers LTV is 51.49%<br>Months Reserves exceed minimum required - 3 months reserves required, borrower has 12.55 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5102374 |
| XXXX | 705076 | XXXX C A | Closed | FCRE1440 | 2025-08-14 10:54 | 2025-08-18 12:58 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, the loan meets the 0x60x12 matrix requirements. - Due Diligence Vendor-08/18/2025 <br> Ready for Review-We respectfully disagree. The loan was approved based on the XXXX Matrix which stipulates 0x60x12 to max 75% CLTV. XXXX Non-QM guidelines do not require mortgage payments to only be rated on the credit report; therefore, the negative potential impact to the credit score is immaterial. - Seller-08/14/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower has 10X30 mtg lates in past 12m, per mtg loan history. (Lender notes on 1008 indicate 9X30 mtg lates). Matrix confirms 1X30 allowed- Max CLTV = 80% (Purchase), 75% (Refinance). Borrower was 1x30 from XXXX to XXXX (rolling), which he caught up payments on XXXX. Borrower was then again 1x30 in XXXX, making total 30 day late payments in the past 12 mos 2x30, which is not allowed per matrix. Mortgage is also not reporting on the credit report, which if it were, would negatively impact credit score. - Due Diligence Vendor-08/14/2025 | Ready for Review-We respectfully disagree. The loan was approved based on the XXXX matrix which stipulates 0x60x12 to max 75% CLTV. XXXX Non-QM guidelines do not require mortgage payments to only be rated on the credit report; therefore, the negative potential impact to the credit score is immaterial. - Seller-08/14/2025 | Resolved-Upon further review, the loan meets the 0x60x12 matrix requirements. - Due Diligence Vendor-08/18/2025<br>| Long term residence - Lender minimum housing 1 year, borrower has resided at subject primary for 5 years.<br>Verified employment history exceeds guidelines - Lender minimum self-employment 1 year, borrower has been in business since 2018. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5176948 |
| XXXX | 705130 | XXXX D A | Closed | FPRO1242 | 2025-08-14 14:26 | 2025-08-18 13:22 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received 1025 appraisal. - Due Diligence Vendor-08/18/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/15/2025 <br>Open-Appraisal is Missing Missing the subject Appraisal Report to support value to support qualifying rental income. Upon receipt, additional conditions maybe required. - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/15/2025<br>| Resolved-Received 1025 appraisal. - Due Diligence Vendor-08/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrowers FICO 778.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.197 |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Purchase | NA | N/A | N/A | 5181699 |
| XXXX | 705587 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 705685 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 713702 | XXXX D A | Closed | FCRE1764 | 2025-08-24 11:15 | 2025-08-27 15:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Received Final CD. - Due Diligence Vendor-08/27/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/25/2025 <br>Open-1. Provide loan docs to verify terms new Mtg, Property B. <br>- Due Diligence Vendor-08/24/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/25/2025<br>| Resolved-Received Final CD. - Due Diligence Vendor-08/27/2025<br>| LTV is less than guideline maximum - Lender max LTV 70%, subject LTV 65.21%<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 26.60% |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5294336 |
| XXXX | 713702 | XXXX D A | Closed | FCRE8888 | 2025-08-24 11:15 | 2025-08-27 15:33 | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Mtg Note | Resolved-Received LE - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. please see attached LE as the loan has not funded yet. - Seller-08/25/2025 <br> Open-1. Provide loan docs to verify terms of new Mtg, Property D. - Due Diligence Vendor-08/24/2025 | Ready for Review-Document Uploaded. please see attached LE as the loan has not funded yet. - Seller-08/25/2025<br>| Resolved-Received LE - Due Diligence Vendor-08/27/2025<br>| LTV is less than guideline maximum - Lender max LTV 70%, subject LTV 65.21%<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 26.60% |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5294338 |
| XXXX | 715467 | XXXX C A | Closed | FCRE0108 | 2025-08-24 10:15 | 2025-09-18 16:17 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Received sufficient XXXX. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. XXXX coverage info uploaded - Seller-09/16/2025 <br> Ready for Review-Subject qualifies for limited condo review. Per XXXX guides B7-4-02 under Determining if XXXX Insurance is Required, coverage is not required since this is a limited review. Please waive finding - Seller-09/15/2025 <br> Counter-Received master policy reflecting general liability-need confirmation of sufficient XXXX crime-limit of policy. Required as full review Type S. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. please see attached - Seller-08/27/2025 <br> Counter-Master insurance reflects Crime coverage but does not reflect amount of coverage. Please confirm amount. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. HOA master reflects "Commercial Crime included" policy XXXX, This coverage is also a "XXXX bond" or "employee dishonesty" coverage. - Seller-08/26/2025 <br> Open-XXXX Coverage not met. Condo Master does not indicate XXXX Coverage - Due Diligence Vendor-08/24/2025 | Ready for Review-Document Uploaded. XXXX coverage info uploaded - Seller-09/16/2025 <br> Ready for Review-Subject qualifies for limited condo review. Per XXXX guides B7-4-02 under Determining if XXXX Insurance is Required, coverage is not required since this is a limited review. Please waive finding - Seller-09/15/2025 <br> Ready for Review-Document Uploaded. please see attached - Seller-08/27/2025 <br> Ready for Review-Document Uploaded. HOA master reflects "Commercial Crime included" policy XXXX, This coverage is also a "XXXX bond" or "employee dishonesty" coverage. - Seller-08/26/2025 | Resolved-Received sufficient XXXX Coverage. - Due Diligence Vendor-09/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 774 Min FICO = 660<br>DSCR % greater than 1.20 - DSCR = 1.352 |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5294249 |
| XXXX | 715467 | XXXX C A | Closed | FCRE1510 | 2025-08-24 10:25 | 2025-08-27 15:01 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received 2nd witness to security instrument. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. Please see attached the updated page 19 reflecting the 2 witness count. - Seller-08/26/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. XXXX - Requires two witnesses, but one can be the notary. The Notary is only Witness - Deed of Trust is missing 2nd Witness - Due Diligence Vendor-08/24/2025 | Ready for Review-Document Uploaded. Please see attached the updated page 19 reflecting the 2 witness count. - Seller-08/26/2025<br>| Resolved-Received 2nd witness to security instrument. - Due Diligence Vendor-08/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 774 Min FICO = 660<br>DSCR % greater than 1.20 - DSCR = 1.352 |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5294263 |
| XXXX | 720273 | XXXX D B C A | Closed | FCRE0104 | 2025-08-25 10:46 | 2025-08-29 08:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Originator waiver applied to non material finding. Removed prepay from system and downgraded finding. - Due Diligence Vendor-08/29/2025 <br> Open-Prepayment Penalty is not allowed. Prepayment Penalty is not allowed in XXXX if property is not vested in a S Corp or Corporation - Due Diligence Vendor-08/25/2025 |  | Waived-Originator waiver applied to non material finding. Removed prepay from system and downgraded finding. - Due Diligence Vendor-08/29/2025<br>| Months Reserves exceed minimum required - 3.28 Months Reserves exceed 0 month minimum required<br>Qualifying FICO score is at least 20 points above minimum for program - 766 Qualifying FICO score is at least 20 points above 660 minimum for program |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 5299955 |
| XXXX | 720273 | XXXX D B C A | Closed | FPRO1242 | 2025-08-25 10:18 | 2025-08-27 15:11 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal - Due Diligence Vendor-08/27/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/25/2025 <br>Open-Appraisal is Missing - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/25/2025<br>| Resolved-Received Appraisal - Due Diligence Vendor-08/27/2025<br>| Months Reserves exceed minimum required - 3.28 Months Reserves exceed 0 month minimum required<br>Qualifying FICO score is at least 20 points above minimum for program - 766 Qualifying FICO score is at least 20 points above 660 minimum for program |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Purchase | NA | N/A | N/A | 5299331 |
| XXXX | 720551 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 725571 | XXXX C B A | Closed | FCRE1194 | 2025-08-27 12:45 | 2025-09-23 16:16 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator waiver applied to non material finding with compensating factors. - Due Diligence Vendor-09/23/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/29/2025 <br>Ready for Review-Document Uploaded. - Seller-08/29/2025 <br>Open-Audited LTV of 65% exceeds Guideline LTV of 60% DSCR <1: Max LTV for a cash-out is 65% MINUS 5% reduction for declining markets. Max LTV is 60% - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/29/2025 <br>Ready for Review-Document Uploaded. - Seller-08/29/2025<br>| Waived-Originator waiver applied to non material finding with compensating factors. - Due Diligence Vendor-09/23/2025<br>| Credit history exceeds minimum required - 24+ month credit history 0x30 credit history exceeds minimum required (3) tradelines reporting for a minimum of 12-months, with activity in the last 12- months<br>Qualifying FICO score is at least 20 points above minimum for program - 756 FICO; 640 required | 756 fico <br> 0x30x24 | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5335205 |
| XXXX | 725571 | XXXX C B A | Closed | FCRE0105 | 2025-08-26 21:54 | 2025-09-18 16:36 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-Received Report. - Due Diligence Vendor - 09/18/2025 <br> Ready for Review-Document Uploaded. Report uploaded. Summary of Findings confirms building passes - Seller-09/16/2025 <br> Open-The file does not contain the required structural engineer report per state law. Subjectis missing required milestone inspection as required by FL Senate Bill No.<br> 40. Subject Cert. of Occ was on or before XXXX, has a building<br> with 3 or more stories and is : <br> 1. 30 years of age - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. Report uploaded. Summary of Findings confirms building passes - Seller-09/16/2025<br>| Resolved-Received Report. - Due Diligence Vendor-09/18/2025<br>| Credit history exceeds minimum required - 24+ month credit history 0x30 credit history exceeds minimum required (3) tradelines reporting for a minimum of 12-months, with activity in the last 12- months<br>Qualifying FICO score is at least 20 points above minimum for program - 756 FICO; 640 required |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5327909 |
| XXXX | 725571 | XXXX C B A | Closed | FCRE0116 | 2025-08-27 11:58 | 2025-09-18 16:36 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Warrantability Documentation | Resolved-Received 1008 reflecting Condo Warranty Type Q. - Due Diligence Vendor-09/11/2025 <br>Ready for Review-Document Uploaded. 1008 reflecting underwriter comment reuplaoded. Please waive finding - Seller-09/11/2025 <br>Open-Missing UW Attestation and/or documentation clearly stating whether the project review completed resulted in condo being determined as warrantable or non-warrantable - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. 1008 reflecting underwriter comment reuplaoded. Please waive finding - Seller-09/11/2025<br>| Resolved-Received 1008 reflecting Condo Warranty Type Q. - Due Diligence Vendor-09/11/2025<br>| Credit history exceeds minimum required - 24+ month credit history 0x30 credit history exceeds minimum required (3) tradelines reporting for a minimum of 12-months, with activity in the last 12- months<br>Qualifying FICO score is at least 20 points above minimum for program - 756 FICO; 640 required |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5334349 |
| XXXX | 725571 | XXXX C B A | Closed | FCRE0108 | 2025-08-26 21:40 | 2025-09-02 13:20 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Received confirmation of sufficient XXXX coverage. - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/29/2025 <br> Open-XXXX Coverage not met. XXXX Coverage missing from Master policy - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/29/2025<br>| Resolved-Received confirmation of sufficient XXXX coverage. - Due Diligence Vendor-09/02/2025 | Credit history exceeds minimum required - 24+ month credit history 0x30 credit history exceeds minimum required (3) tradelines reporting for a minimum of 12-months, with activity in the last 12- months<br>Qualifying FICO score is at least 20 points above minimum for program - 756 FICO; 640 required |  | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5327860 |
| XXXX | 725571 | XXXX C B A | Closed | FCRE0140 | 2025-08-27 11:59 | 2025-08-27 12:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | DSCR loan does not meet program guidelines | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-08/27/2025 <br> Open-Exception in file to proceed with layered entity vesting and PG provided by our borrower who is 45% owner of subsequent LLC.<br> Vesting to be in XXXX which is 100% owned by XXXX. XXXX is owned by 45% XXXX<br> XXXX (our borrower) and 45% XXXX<br> - Due Diligence Vendor-08/27/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-08/27/2025<br>| Credit history exceeds minimum required - 24+ month credit history 0x30 credit history exceeds minimum required (3) tradelines reporting for a minimum of 12-months, with activity in the last 12- months<br>Qualifying FICO score is at least 20 points above minimum for program - 756 FICO; 640 required | FICO 20+ points above min.<br> 24+ month credit history 0x30 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5334381 |
| XXXX | 725590 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |

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## Exhibit 99.3

Exhibit 99.3 Schedule 4

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| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXXX | 458088 | XXXXX | XXXXX D A B |
| XXXXX | 609076 | XXXXX | XXXXX C A B |
| XXXXX | 624728 | XXXXX | XXXXX C A |
| XXXXX | 624832 | XXXXX | XXXXX C A |
| XXXXX | 633055 | XXXXX | XXXXX D A B |
| XXXXX | 637202 | XXXXX | XXXXX D A C |
| XXXXX | 638785 | XXXXX | XXXXX D A |
| XXXXX | 639078 | XXXXX | XXXXX D C A B |
| XXXXX | 652335 | XXXXX | XXXXX C A B |
| XXXXX | 670248 | XXXXX | XXXXX D A B |
| XXXXX | 680296 | XXXXX | XXXXX C A |
| XXXXX | 688746 | XXXXX | XXXXX C A B |
| XXXXX | 688747 | XXXXX | XXXXX A C |
| XXXXX | 688748 | XXXXX | XXXXX A C |
| XXXXX | 692888 | XXXXX | XXXXX C A D |
| XXXXX | 697343 | XXXXX | XXXXX D A |
| XXXXX | 699011 | XXXXX | XXXXX D A |
| XXXXX | 699025 | XXXXX | XXXXX D A B |
| XXXXX | 699029 | XXXXX | XXXXX D A |
| XXXXX | 699033 | XXXXX | XXXXX D A |
| XXXXX | 699041 | XXXXX | XXXXX C A |
| XXXXX | 699043 | XXXXX | XXXXX D A |
| XXXXX | 699044 | XXXXX | XXXXX D A |
| XXXXX | 699045 | XXXXX | XXXXX D A |
| XXXXX | 699050 | XXXXX | XXXXX A |
| XXXXX | 699051 | XXXXX | XXXXX C A D |
| XXXXX | 699140 | XXXXX | XXXXX C A |
| XXXXX | 699713 | XXXXX | XXXXX D C A |
| XXXXX | 699791 | XXXXX | XXXXX C A D |
| XXXXX | 700313 | XXXXX | XXXXX C A |
| XXXXX | 700323 | XXXXX | XXXXX D A B |
| XXXXX | 700712 | XXXXX | XXXXX C A B |
| XXXXX | 703341 | XXXXX | XXXXX B A D |
| XXXXX | 703544 | XXXXX | XXXXX C A B |
| XXXXX | 703555 | XXXXX | XXXXX A |
| XXXXX | 704842 | XXXXX | XXXXX A C |
| XXXXX | 704951 | XXXXX | XXXXX A |
| XXXXX | 704983 | XXXXX | XXXXX D A |
| XXXXX | 705064 | XXXXX | XXXXX A C D |
| XXXXX | 705076 | XXXXX | XXXXX C A |
| XXXXX | 705130 | XXXXX | XXXXX A D |
| XXXXX | 705587 | XXXXX | XXXXX A |
| XXXXX | 705685 | XXXXX | XXXXX A |
| XXXXX | 713702 | XXXXX | XXXXX D A |
| XXXXX | 715467 | XXXXX | XXXXX C A |
| XXXXX | 720273 | XXXXX | XXXXX C A D B |
| XXXXX | 720551 | XXXXX | XXXXX A |
| XXXXX | 725571 | XXXXX | XXXXX C A B |
| XXXXX | 725590 | XXXXX | XXXXX A |

---

## Exhibit 99.3

Exhibit 99.3 Schedule 5

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction 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** |
| XXXXX | 458088 | XXXXX | XXXXX | XXXXX |  | XXXXX | XXXXX | XXXXX | 1004 URAR | XXXXX | XXXXX | XXXXX | 80.0 | 80.0 | XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | 0.0 | .0000 | XXXXX | Low | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XXXXX |
| XXXXX | 609076 | XXXXX | XXXXX | XXXXX |  | 0 | XXXXX | XXXXX | 1004 URAR | XXXXX | XXXXX | XXXXX | 61.44 | 61.44 | XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | 0.0 | .0000 | XXXXX | Moderate | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXXX |
| XXXXX | 624728 | XXXXX | XXXXX | XXXXX |  | 0 | XXXXX | XXXXX | 1004 URAR | XXXXX | XXXXX | XXXXX | 75.0 | 75.0 | XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXX |
| XXXXX | 624832 | XXXXX | XXXXX | XXXXX |  | 0 | XXXXX | XXXXX | 1073 Individual Condo Report | XXXXX | XXXXX | XXXXX | 75.0 | 75.0 | XXXXX | XXXXX | .2344 | AVM |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | .2344 | 92.0 | 0.08 | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 633055 | XXXXX | XXXXX | XXXXX | XXXXX | 0 | XXXXX | XXXXX | 1004 URAR | XXXXX | XXXXX | XXXXX | 80.0 | 80.0 | XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXXX | Eligible | 1.4 | XXXXX |
| XXXXX | 637202 | XXXXX | XXXXX | XXXXX |  | 0 | XXXXX | XXXXX | Other | XXXXX | XXXXX | XXXXX | 58.91 | 58.91 | XXXXX | XXXXX | -.0062 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | -.0062 | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 638785 | XXXXX | XXXXX | XXXXX | XXXXX | 0 | XXXXX | XXXXX | 1073 Individual Condo Report | XXXXX | XXXXX | XXXXX | 55.0 | 55.0 | XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | 0.0 | .0000 | XXXXX | Low | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 639078 | XXXXX | XXXXX | XXXXX | XXXXX | 0 | XXXXX | XXXXX | 1073 Individual Condo Report | XXXXX | XXXXX | XXXXX | 80.0 | 80.0 | XXXXX | XXXXX | -.0446 | 1073 Individual Condo Report |  |  |  |  | XXXXX | XXXXX | -.0446 | XXXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXX |
| XXXXX | 652335 | XXXXX | XXXXX | XXXXX | XXXXX | 0 | XXXXX | XXXXX | 1073 Individual Condo Report | XXXXX | XXXXX | XXXXX | 80.0 | 80.0 | XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | 0.0 | .0000 | XXXXX | Low | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 670248 | XXXXX | XXXXX | XXXXX |  | 0 | XXXXX | XXXXX | 1004 URAR | XXXXX | XXXXX | XXXXX | 54.88 | 54.88 | XXXXX | XXXXX | .0009 | 1004 URAR |  |  |  |  | XXXXX | XXXXX | .0009 | XXXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 680296 | XXXXX | XXXXX | XXXXX |  | XXXXX | XXXXX | XXXXX | 1004 URAR | XXXXX | XXXXX | XXXXX | 75.0 | 75.0 | XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXX | Eligible | 1 | XXXXX |
| XXXXX | 688746 | XXXXX | XXXXX | XXXXX | XXXXX | 0 | XXXXX | XXXXX | 1073 Individual Condo Report | XXXXX | XXXXX | XXXXX | 70.0 | 70.0 | XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | -.2042 | 91.0 | 0.09 | XXXXX | XXXXX | XXXXX | XXXXX | 0.0 | .0000 | XXXXX | Low | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 688747 | XXXXX | XXXXX | XXXXX | XXXXX | 0 | XXXXX | XXXXX | 1004 URAR | XXXXX | XXXXX | XXXXX | 85.0 | 85.0 | XXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXXX | Eligible |  |  |
| XXXXX | 688748 | XXXXX | XXXXX | XXXXX | XXXXX | 0 | XXXXX | XXXXX | 1004 URAR | XXXXX | XXXXX | XXXXX | 80.0 | 80.0 | XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXXX | Eligible | 1 | XXXXX |
| XXXXX | 692888 | XXXXX | XXXXX | XXXXX | XXXXX | 0 | XXXXX | XXXXX | 1004 URAR | XXXXX | XXXXX | XXXXX | 80.0 | 80.0 | XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXXX |
| XXXXX | 697343 | XXXXX | XXXXX | XXXXX | XXXXX | 0 | XXXXX | XXXXX | 1004 URAR | XXXXX | XXXXX | XXXXX | 90.0 | 90.0 | XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXX |
| XXXXX | 699011 | XXXXX | XXXXX | XXXXX |  | 0 | XXXXX | XXXXX | 1073 Individual Condo Report | XXXXX | XXXXX | XXXXX | 30.0 | 30.0 | XXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXX | Eligible | 1.2 | XXXXX |
| XXXXX | 699025 | XXXXX | XXXXX | XXXXX |  | 0 | XXXXX | XXXXX | 1073 Individual Condo Report | XXXXX | XXXXX | XXXXX | 52.63 | 52.63 | XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXX |
| XXXXX | 699029 | XXXXX | XXXXX | XXXXX | XXXXX | 0 | XXXXX | XXXXX | 1004 URAR | XXXXX | XXXXX | XXXXX | 80.0 | 80.0 | XXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXX | Eligible | 1 | XXXXX |
| XXXXX | 699033 | XXXXX | XXXXX | XXXXX | XXXXX | 0 | XXXXX | XXXXX | 1004 URAR | XXXXX | XXXXX | XXXXX | 85.0 | 85.0 | XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXXX |
| XXXXX | 699041 | XXXXX | XXXXX | XXXXX |  | 0 | XXXXX | XXXXX | 1004 URAR | XXXXX | XXXXX | XXXXX | 75.27 | 75.27 | XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | 0.0 | .0000 | XXXXX | Low | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXXX |
| XXXXX | 699043 | XXXXX | XXXXX | XXXXX | XXXXX | 0 | XXXXX | XXXXX | 1004 URAR | XXXXX | XXXXX | XXXXX | 80.0 | 80.0 | XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXX | Eligible | 1 | XXXXX |
| XXXXX | 699044 | XXXXX | XXXXX | XXXXX | XXXXX | 0 | XXXXX | XXXXX | 1004 URAR | XXXXX | XXXXX | XXXXX | 80.0 | 80.0 | XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXXX | Eligible | 1 | XXXXX |
| XXXXX | 699045 | XXXXX | XXXXX | XXXXX |  | 0 | XXXXX | XXXXX | 1004 URAR | XXXXX | XXXXX | XXXXX | 44.14 | 44.14 | XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXXX | Eligible | 1.4 | XXXXX |
| XXXXX | 699050 | XXXXX | XXXXX | XXXXX |  | 0 | XXXXX | XXXXX | 1004 URAR | XXXXX | XXXXX | XXXXX | 80.0 | 80.0 | XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | 0.0 | .0000 | XXXXX | Low | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 699051 | XXXXX | XXXXX | XXXXX |  | 0 | XXXXX | XXXXX | 1073 Individual Condo Report | XXXXX | XXXXX | XXXXX | 70.0 | 70.0 | XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXX |
| XXXXX | 699140 | XXXXX | XXXXX | XXXXX | XXXXX | 0 | XXXXX | XXXXX | 1004 URAR | XXXXX | XXXXX | XXXXX | 80.0 | 80.0 | XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | 0.0 | .0000 | XXXXX | Low | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 699713 | XXXXX | XXXXX | XXXXX |  | 0 | XXXXX | XXXXX | 1004 URAR | XXXXX | XXXXX | XXXXX | 75.0 | 75.0 | XXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXXX | Eligible |  |  |
| XXXXX | 699791 | XXXXX | XXXXX | XXXXX | XXXXX | 0 | XXXXX | XXXXX | 1004 URAR | XXXXX | XXXXX | XXXXX | 61.94 | 61.94 | XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXXX |
| XXXXX | 700313 | XXXXX | XXXXX | XXXXX |  | 0 | XXXXX | XXXXX | 1004 URAR | XXXXX | XXXXX | XXXXX | 56.12 | 56.12 | XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | 0.0 | .0000 | XXXXX | Low | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXXX |
| XXXXX | 700323 | XXXXX | XXXXX | XXXXX |  | XXXXX | XXXXX | XXXXX | 1004 URAR | XXXXX | XXXXX | XXXXX | 80.0 | 80.0 | XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXX | Eligible | 1 | XXXXX |
| XXXXX | 700712 | XXXXX | XXXXX | XXXXX | XXXXX | 0 | XXXXX | XXXXX | 1073 Individual Condo Report | XXXXX | XXXXX | XXXXX | 85.0 | 85.0 | XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXX | Eligible | 1 | XXXXX |
| XXXXX | 703341 | XXXXX | XXXXX | XXXXX |  | 0 | XXXXX | XXXXX | 1004 URAR | XXXXX | XXXXX | XXXXX | 64.79 | 64.79 | XXXXX | XXXXX | .0449 | AVM |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | .0449 | 96.0 | 0.04 | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 703544 | XXXXX | XXXXX | XXXXX | XXXXX | 0 | XXXXX | XXXXX | 1073 Individual Condo Report | XXXXX | XXXXX | XXXXX | 75.0 | 75.0 | XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | 0.0 | .0000 | XXXXX | Low | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 703555 | XXXXX | XXXXX | XXXXX | XXXXX | 0 | XXXXX | XXXXX | 1025 Small Residential Income Report | XXXXX | XXXXX | XXXXX | 75.0 | 75.0 | XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | 0.0 | .0000 | XXXXX | Low | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 704842 | XXXXX | XXXXX | XXXXX |  | 0 | XXXXX | XXXXX | 1004 URAR | XXXXX | XXXXX | XXXXX | 68.75 | 68.75 | XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXXX |
| XXXXX | 704951 | XXXXX | XXXXX | XXXXX |  | 0 | XXXXX | XXXXX | 1073 Individual Condo Report | XXXXX | XXXXX | XXXXX | 61.64 | 61.64 | XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXXX | Eligible | 1 | XXXXX |
| XXXXX | 704983 | XXXXX | XXXXX | XXXXX | XXXXX | 0 | XXXXX | XXXXX | 1004 URAR | XXXXX | XXXXX | XXXXX | 85.0 | 85.0 | XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXXX | Eligible | 1.3 | XXXXX |
| XXXXX | 705064 | XXXXX | XXXXX | XXXXX |  | 0 | XXXXX | XXXXX | 1004 URAR | XXXXX | XXXXX | XXXXX | 51.49 | 51.49 | XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | 0.0 | .0000 | XXXXX | Low | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 705076 | XXXXX | XXXXX | XXXXX |  | 0 | XXXXX | XXXXX | 1004 URAR | XXXXX | XXXXX | XXXXX | 70.0 | 70.0 | XXXXX | XXXXX | .0606 | 1004 URAR |  |  |  |  | XXXXX | XXXXX | .0606 | XXXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXX |
| XXXXX | 705130 | XXXXX | XXXXX | XXXXX | XXXXX | 0 | XXXXX | XXXXX | 1025 Small Residential Income Report | XXXXX | XXXXX | XXXXX | 75.0 | 75.0 | XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | 0.0 | .0000 | XXXXX | Low | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 705587 | XXXXX | XXXXX | XXXXX | XXXXX | 0 | XXXXX | XXXXX | 1004 URAR | XXXXX | XXXXX | XXXXX | 80.0 | 80.0 | XXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXX | Eligible |  |  |
| XXXXX | 705685 | XXXXX | XXXXX | XXXXX | XXXXX | 0 | XXXXX | XXXXX | 1004 URAR | XXXXX | XXXXX | XXXXX | 85.0 | 85.0 | XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXX |
| XXXXX | 713702 | XXXXX | XXXXX | XXXXX |  | 0 | XXXXX | XXXXX | 1004 URAR | XXXXX | XXXXX | XXXXX | 65.21 | 65.21 | XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | 0.0 | .0000 | XXXXX | Low | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 715467 | XXXXX | XXXXX | XXXXX |  | XXXXX | XXXXX | XXXXX | 1073 Individual Condo Report | XXXXX | XXXXX | XXXXX | 75.0 | 75.0 | XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXXX | Eligible | 1 | XXXXX |
| XXXXX | 720273 | XXXXX | XXXXX | XXXXX | XXXXX | 0 | XXXXX | XXXXX | 1004 URAR | XXXXX | XXXXX | XXXXX | 80.0 | 80.0 | XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXXX |
| XXXXX | 720551 | XXXXX | XXXXX | XXXXX |  | XXXXX | XXXXX | XXXXX | 1004 URAR | XXXXX | XXXXX | XXXXX | 70.0 | 70.0 | XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | 0.0 | .0000 | XXXXX | Low | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 725571 | XXXXX | XXXXX | XXXXX |  | 0 | XXXXX | XXXXX | 1073 Individual Condo Report | XXXXX | XXXXX | XXXXX | 65.0 | 65.0 | XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | 0.0 | .0000 | XXXXX | Low | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXXX | Not Eligible |  |  |
| XXXXX | 725590 | XXXXX | XXXXX | XXXXX |  | XXXXX | XXXXX | XXXXX | 1004 URAR | XXXXX | XXXXX | XXXXX | 65.0 | 65.0 | XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXX |

---

## Exhibit 99.4

**Exhibit 99.4** 

**EXECUTIVE SUMMARY**

BARC 2025-NQM7

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence") performed certain due diligence services (the "Review") described below on newly originated residential mortgage loans acquired by ("Sutton Funding LLC"). The review was conducted in October 2025 on mortgage loans originated in October 2025.

The Review consisted of 100% of the population of 1 loan with an original loan balance of $440,000.00.

**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;&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;&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;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review Approval Conditions</u> 

&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. 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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation of debt servicer coverage ratio ("DSCR") calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. DSCR Loans

&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;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;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

![](ex99-4_001.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;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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy Red flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&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;&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;&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;&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;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Leases, proof of rent received, 3rd 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;&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;&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;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift funds verified and met guidelines

&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;v. Confirm source of funds meet guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller contributions are within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate all premiums are included in housing payment and any required upfront premium is paid

![](ex99-4_001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing disclosure or Settlement Statements

**Valuation Review**

MaxDiligence performed a "Valuation Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Valuation Review</u> 

&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. 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;&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;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed by an appraiser that was actively licensed to perform the valuation

&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;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;&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;&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;&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;&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.

![](ex99-4_001.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;&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;&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 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;&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;&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.

![](ex99-4_001.jpg)

**Summary of Results**

**OVERALL RESULTS SUMMARY**

After giving consideration to the grading criteria of the relevant NRSROs, the loan received 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;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &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;**1** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &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;**1** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &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;**1** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &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;**1** | &nbsp;&nbsp;**100.00%** |

---

**Exception Category Summary**

The table below summarizes the individual exceptions which carried an associated "A", "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Credit Grade of "A", 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;No Credit Findings | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Property &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Appraisal | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Compliance &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Tests Performed | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Compliance (A) Exceptions*** | &nbsp;&nbsp;***1*** |

---

![](ex99-4_001.jpg)

**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 1 mortgage loan reviewed, 0 unique mortgage loan (by loan count) had a total of 0 different tape discrepancies across the data fields (some mortgage 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.

**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. |

---

![](ex99-4_001.jpg)

---

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

---

---

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

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 1**

![](ex99-4sch1_001.jpg)

Client XXXXXX

Transaction BARC 2025-NQM7

Date 11/18/2025

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 |  |  | XXXXXX | XXXXXX | 4 | 1 | 1 | 1 | 1 | 1 | 4 | 1 D A |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 |  |  | XXXXXX | XXXXXX | XXXXXX | OR | Investment | Refinance | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | XXXXXX | 1 of 3 | 2025-10-26 19:43 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-10-26 19:43 | Cleared | 1 | 1 | 4 | 1 |
| XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | OR | Investment | Refinance | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | XXXXXX | 2 of 3 | 2025-10-27 12:13 | Property | Missing Appraisal | The loan file does not contain the appraisal. Full Interior / Exterior appraisal required. XXXXXX Forms 1004/70, 1025/72, 1073/465 or 2090 must be used. The licensed appraiser is required to perform an interior inspection when completing the appraisal report.The loan file is missing the appraisal. <br>|  | Document Uploaded. - 10/27/2025<br>| Full 1004 provided - valuation supports. - 10/28/2025<br>|  | 2025-10-28 20:20 | Resolved | 4 | 1 | 4 | 1 |
| XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | OR | Investment | Refinance | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | XXXXXX | 3 of 3 | 2025-10-28 20:21 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  | The loan meets all applicable credit guidelines. - 10/28/2025<br>|  | 2025-10-28 20:21 | Cleared | 1 | 1 | 4 | 1 |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | REASONABLE | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.5

**Exhibit 99.5**

![](ex99-5_001.jpg)

**Selene Diligence LLC ("Selene") Due 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 Sutton Funding LLC ("Client"). The review was conducted between October 25 2024 and November 13 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 1 ATR-QM exempt loans for a total of 1 loans the "Final Securitization Population".

*<u>Credit Reviews (1):</u>*

During the Review, Selene performed a credit review on 1 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (1)</u>*

During the Review, Selene performed a compliance review, when applicable on 1 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (1):</u>*

During the Review, Selene performed a property valuation review on 1 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (1):</u>*

During the Review, Selene performed a Data Integrity Review on 1 mortgage loans in the Final Securitization Population.

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**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 1 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;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;1 | &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") (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>**

ACC Underwriting Guidelines (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 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 is providing 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.

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**<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 and B, 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;

&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 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.

 **PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

&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;• **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.

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 **DATA INTEGRITY REVIEW**

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 1 mortgage loans, (ii) a Compliance Review on 1 mortgage loans (iii) a Valuation Review on 1 mortgage loans, and (iv) a Data Integrity Review on 1 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 1 mortgage loans; 0 mortgage loans had a rating grade of A, 1 mortgage loan 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.

***Grades per loan (1 overall loans):***

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**INITIAL RA GRADES -<br> OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES -<br> OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| &nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**NRSRO <br> Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;0 | 0.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

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***Final Grades per loan broken out by compliance, credit and property:***

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**FINAL RA GRADES -<br> COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES -<br> COMPLIANCE** |  | **FINAL RA GRADES - CREDIT** | **FINAL RA GRADES - CREDIT** |
| &nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**NRSRO <br> Grade** | S&P | **%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;A | 0 | 0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | 1 | 100.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | 0 | 0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | 0 | 0.00% |

---

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |
| &nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &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% |

---

**<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.

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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 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 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

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**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

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**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;

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&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.

**APPENDIX**

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**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> 

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

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

&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.

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&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;

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;&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;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;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;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;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; <br> 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 reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

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&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; <br> 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.

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&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;

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 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> 

&nbsp;&nbsp;&nbsp;&nbsp;&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

**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)).

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<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 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;** 

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**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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

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## Exhibit 99.5

**Exhibit 99.5 Schedule 1**

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| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| xxxxx9434 |  | XXXX | XXXX C D A B |

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## Exhibit 99.5

**Exhibit 99.5 Schedule 2**

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| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | xxxxx9434 |  |  | Closed | 2024-10-27 22:30 | 2024-11-13 09:54 | Waived | 2 - Non-Material C B | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Waived-Exception Approved. - Due Diligence Vendor-11/13/2024 <br>Ready for Review-Document Uploaded. - Seller-11/10/2024 <br>Open-Refinance Vacant property Max LTV is 70% whereas for Interest only R/T Refinance Max LTV is 75%. Per Matrix, Max DSCR for R/T Refi is 0.99 with 70% LTV; however. RT Refi Max LTV is 80% with a DSCR Min of 1.0. Provide Exception for DSCR less than Min 1.00. Loan File DSCR 0.785 - Due Diligence Vendor-10/28/2024 | Ready for Review-Document Uploaded. - Seller-11/10/2024<br>| Waived-Exception Approved. - Due Diligence Vendor-11/13/2024<br>| XXXX |  | Credit Score - Loan File 728, GL Requirement Min 700<br> Tradelines - Loan File 31, GL Requirement No Minimum<br> Housing Payment History - Loan File 0x30x52 months, GL Requirement 1x30x12 months<br> Investor Experience- Loan File 5 years, GL Requirement 1 year<br> Other- Loan File Rate Reduction-Interest rate on subject lien is reducing from 11% to 7.375%<br> Personal Guaranty with full recourse executed by borrower present in file | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 2691231 | Originator Post-Close | Yes |
| XXXX | xxxxx9434 |  |  | Closed | 2024-10-31 09:58 | 2024-11-13 09:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Exception Approved. - Due Diligence Vendor-11/13/2024 <br> Ready for Review-Document Uploaded. - Seller-11/10/2024 <br> Open-Borrower Type ineligible per program guidelines. Note is signed by XXXX of behalf on the Business Entity, XXXX. Provide Exception - Due Diligence Vendor-10/31/2024 | Ready for Review-Document Uploaded. - Seller-11/10/2024<br>| Waived-Exception Approved. - Due Diligence Vendor-11/13/2024<br>| XXXX |  | Credit Score - Loan File 728, GL Requirement Min 700<br> Tradelines - Loan File 31, GL Requirement No Minimum<br> Housing Payment History - Loan File 0x30x52 months, GL Requirement 1x30x12 months<br> Investor Experience- Loan File 5 years, GL Requirement 1 year<br> Other- Loan File Rate Reduction-Interest rate on subject lien is reducing from 11% to 7.375%<br> Personal Guaranty with full recourse executed by borrower present in file | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 2721945 | Originator Post-Close | Yes |
| XXXX | xxxxx9434 |  |  | Closed | 2024-10-31 10:50 | 2024-11-13 06:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | Prepayment Penalty Information Unavailable | Resolved-Lock reflects No PPP - Due Diligence Vendor-11/13/2024 <br> Ready for Review-Document Uploaded. See attached lock ...this one had no PPP. - Seller-11/10/2024 <br> Open-per Matrix, Prepayment Penalty: • 6 Months interest on 80% of original principal balance.• 3 years standard term. provide confirmation that PPP is not required as reflected on the HUD-1 - Due Diligence Vendor-10/31/2024 | Ready for Review-Document Uploaded. See attached lock ...this one had no PPP. - Seller-11/10/2024<br>| Resolved-Lock reflects No PPP - Due Diligence Vendor-11/13/2024<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 2722372 | N/A | N/A |
| XXXX | xxxxx9434 |  |  | Closed | 2024-10-31 11:56 | 2024-11-07 10:15 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Consent Form received - Due Diligence Vendor-11/07/2024 <br>Ready for Review-Document Uploaded. - Seller-11/06/2024 <br>Open-Provide E-Sign Consent Form - Due Diligence Vendor-10/31/2024 | Ready for Review-Document Uploaded. - Seller-11/06/2024<br>| Resolved-E-Sign Consent Form received - Due Diligence Vendor-11/07/2024<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 2722965 | N/A | N/A |
| XXXX | xxxxx9434 |  |  | Closed | 2024-10-31 10:51 | 2024-11-07 10:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Confirmation of the Rate Lock received - Due Diligence Vendor-11/07/2024 <br>Ready for Review-Document Uploaded. - Seller-11/06/2024 <br>Open-Evidence of Rate Lock Missing Provide Confirmation of the Rate Lock - Due Diligence Vendor-10/31/2024 | Ready for Review-Document Uploaded. - Seller-11/06/2024<br>| Resolved-Confirmation of the Rate Lock received - Due Diligence Vendor-11/07/2024<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 2722379 | N/A | N/A |
| XXXX | xxxxx9434 |  |  | Closed | 2024-10-31 11:40 | 2024-11-04 05:56 | Resolved | 1 - Information C A | Credit | Credit | Guarantor Recourse Document is missing | Resolved-Personal Guaranty received - Due Diligence Vendor-11/04/2024 <br>Ready for Review-Document Uploaded. - Seller-10/31/2024 <br>Open-Provide Personal Guaranty - Due Diligence Vendor-10/31/2024 | Ready for Review-Document Uploaded. - Seller-10/31/2024<br>| Resolved-Personal Guaranty received - Due Diligence Vendor-11/04/2024<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 2722823 | N/A | N/A |
| XXXX | xxxxx9434 |  |  | Closed | 2024-10-27 22:05 | 2024-10-31 10:47 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV Exceeds Guideline LTV Exception Approved<br> Exception Approval on 10/16/2024 by XXXX on page 556. <br> Exception Reason: Max LTV - Loan File 74%, GL Requirement Max 70%<br> Other: Max would be 70% due to the vacant on refinance overlay. However, the file contains a lease dated after the appraisal was done, as well as the 1st month & security deposit funds. Issuing a guideline exception in an abundance of caution.<br> - Due Diligence Vendor-10/28/2024 |  | Waived-Audited LTV Exceeds Guideline LTV Exception Approved<br> Exception Approval on 10/16/2024 by XXXX on page 556. <br> Exception Reason: Max LTV - Loan File 74%, GL Requirement Max 70%<br> Other: Max would be 70% due to the vacant on refinance overlay. However, the file contains a lease dated after the appraisal was done, as well as the 1st month & security deposit funds. Issuing a guideline exception in an abundance of caution.<br> - Due Diligence Vendor-10/28/2024 |  |  | Credit Score - Loan File 728, GL Requirement Min 700<br> Tradelines - Loan File 31, GL Requirement No Minimum<br> Housing Payment History - Loan File 0x30x52 months, GL Requirement 1x30x12 months<br> Investor Experience- Loan File 5 years, GL Requirement 1 year<br> Other- Loan File Rate Reduction-Interest rate on subject lien is reducing from 11% to 7.375%<br> Personal Guaranty with full recourse executed by borrower present in file | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 2691195 | Originator Pre-Close | Yes |

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## Exhibit 99.5

**Exhibit 99.5 Schedule 3**

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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** | **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** |
| xxxxx9434 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.0 | 74.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XXXX |

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