# EDGAR Filing Document

**Accession Number:** 0001697970
**File Stem:** 0001999371-25-017630
**Filing Date:** 2025-11
**Character Count:** 1966497
**Document Hash:** 91f3ca9e5f35ff50d5b18de5f299735f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-017630.hdr.sgml**: 20251113

**ACCESSION NUMBER**: 0001999371-25-017630

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

**PUBLIC DOCUMENT COUNT**: 46

**CONFORMED PERIOD OF REPORT**: 20251113

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

**FILED AS OF DATE**: 20251113

**DATE AS OF CHANGE**: 20251113

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Angel Oak Mortgage Trust I, LLC
- **CENTRAL INDEX KEY:** 0001697970

**ORGANIZATION NAME:**
- **EIN:** 816646854
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-03251
- **FILM NUMBER:** 251476806

**BUSINESS ADDRESS:**
- **STREET 1:** 3060 PEACHTREE ROAD, SUITE 500
- **CITY:** ATLANTA
- **STATE:** GA
- **ZIP:** 30305
- **BUSINESS PHONE:** 4046370412

**MAIL ADDRESS:**
- **STREET 1:** 3060 PEACHTREE ROAD, SUITE 500
- **CITY:** ATLANTA
- **STATE:** GA
- **ZIP:** 30305
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Angel Oak Mortgage Trust I, LLC
- **CENTRAL INDEX KEY:** 0001697970

**ORGANIZATION NAME:**
- **EIN:** 816646854
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 3060 PEACHTREE ROAD, SUITE 500
- **CITY:** ATLANTA
- **STATE:** GA
- **ZIP:** 30305
- **BUSINESS PHONE:** 4046370412

**MAIL ADDRESS:**
- **STREET 1:** 3060 PEACHTREE ROAD, SUITE 500
- **CITY:** ATLANTA
- **STATE:** GA
- **ZIP:** 30305

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

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**FORM ABS-15G**

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**ASSET-BACKED SECURITIZER REPORT**

Pursuant to Section 15G of

the Securities Exchange Act of 1934

**Angel Oak Mortgage Trust I, LLC**

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

☐ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period _______ to ________

Date of Report (Date of earliest event reported):<u> </u>

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(Exact name of securitizer as specified in its charter)

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(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

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

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

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

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

**Angel Oak Mortgage Trust 2025-12**

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

Central Index Key Number of depositor: **0001697970**

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

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

**Chase Eldredge, Secretary, (404) 751-2991**

Name and telephone number, including area code of the person

to contact in connection with this filing

**PART I – REPRESENTATION AND WARRANTY INFORMATION**

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

---

Not applicable.

---

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

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Not Applicable.

---

| | |
|:---|:---|
| **Item 1.03** | **Periodic Filing of Rule 15Ga-1 Representations and Warranties Disclosure** |

---

Not Applicable.

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

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

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

---

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

---

Not Applicable.

**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.

---

| | |
|:---|:---|
| **Angel Oak Mortgage Trust I, LLC** | **Angel Oak Mortgage Trust I, LLC** |
| (Depositor) | (Depositor) |
| By: | /s/ Sreeniwas Prabhu |
| Name: | Sreeniwas Prabhu |
| Title: | Manager |

---

Date: November 13, 2025

**EXHIBIT INDEX**

---

| | |
|:---|:---|
| [99.1](ex99-1.htm) | AMC Diligence, LLC ("AMC") Due Diligence Executive Summary |
| [99.2](ex99-2.htm) | AMC Valuation Summary |
| [99.3](ex99-3.htm) | AMC Exception Grades |
| [99.4](ex99-4.htm) | AMC Rating Agency Grades |
| [99.5](ex99-5.htm) | AMC Data Compare Summary |
| [99.6](ex99-6.htm) | AMC Data Compare |
| [99.7](ex99-7.htm) | Canopy Financial Technology Partners LLC ("Canopy") Narrative |
| [99.8](ex99-8.htm) | Canopy Rating Agency Grades Detail Report |
| [99.9](ex99-9.htm) | Canopy Rating Agency Grades Summary Report |
| [99.10](ex99-10.htm) | Canopy Valuation Report |
| [99.11](ex99-11.htm) | Canopy Data Compare Report |
| [99.12](ex99-12.htm) | Clarifii LLC ("Clarifii") Narrative |
| [99.13](ex99-13.htm) | Clarifii Rating Agency Grades Detail Report |
| [99.14](ex99-14.htm) | Clarifii Rating Agency Grades Summary Report |
| [99.15](ex99-15.htm) | Clarifii Data Compare Report |
| [99.16](ex99-16.htm) | Clarifii Valuation Report |
| [99.17](ex99-17.htm) | Consolidated Analytics, Inc. ("Consolidated") Executive Summary |
| [99.18](ex99-18.htm) | Consolidated Due Diligence Report |
| [99.19](ex99-19.htm) | Consolidated Rating Agency Grades |
| [99.20](ex99-20.htm) | Consolidated Valuation Summary Report |
| [99.21](ex99-21.htm) | Consolidated Data Compare Report |
| [99.22](ex99-22.htm) | Incenter Diligence Solutions ("Incenter") Executive Summary |
| [99.23](ex99-23.htm) | Incenter Exception Report |
| [99.24](ex99-24.htm) | Incenter Rating Agency Grades Report |
| [99.25](ex99-25.htm) | Incenter Valuation Summary Report |
| [99.26](ex99-26.htm) | Incenter Tape Compare Report |
| [99.27](ex99-27.htm) | Infinity IPS, Inc. ("Infinity") Executive Summary |
| [99.28](ex99-28.htm) | Infinity Rating Agency Grade |
| [99.29](ex99-29.htm) | Infinity Valuation Report |
| [99.30](ex99-30.htm) | Infinity Loan Level Exception Report |
| [99.31](ex99-31.htm) | Infinity Individual Exception Report |
| [99.32](ex99-32.htm) | Infinity Data Compare Report |
| [99.33](ex99-33.htm) | Selene Diligence LLC ("Selene") Due Diligence Review Narrative |
| [99.34](ex99-34.htm) | Selene Standard Findings Report |
| [99.35](ex99-35.htm) | Selene Rating Agency Grades Summary Report |
| [99.36](ex99-36.htm) | Selene Valuation Report |
| [99.37](ex99-37.htm) | Selene Data Compare Report |

---

## Exhibit 99.1

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.1**

![](ex991001.jpg)

**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 loans backed by residential properties (the "Loans") acquired by Angel Oak Mortgage Fund EU B LLC, the "Client") through its correspondent flow business channel. The Review was conducted on a Loan with an origination of July 2025 via files imaged and provided by the Client or its designee for review. The Review included loans reviewed under the Leases Review Scope (1 loan).

The securitization transaction referred to as the AOMT 2025-12 transaction (the "Current Securitization") has an aggregate loan population of 1. In total during the Review, AMC reviewed a total of 1 unique mortgage loan for inclusion in the securitization.

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

During the course of the securitization evaluation process, the Client may have removed loans that were reviewed by AMC from the securitization for paid-in-full mortgage loans or other items that were not disclosed to AMC. The final population of the Review covered 1 Loan totaling an aggregate original principal balance of $900,000. To AMC's knowledge, the Review covered 100% of the securitization loan population.

Within this population there were 1 Loan that were reviewed by AMC to nationally recognized statistical rating organizations, NRSRO(s), standards for compliance, credit, and valuation (the "Residential Population").

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

The Review was conducted consistent with the criteria, as may be relevant for this securitization, for the 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 bid tape provided by the Client to the data found in the Loan file as captured during the Review. The data integrity review was completed versus tapes as provided at the time of initial diligence or subsequently updated. As the securitization population includes loans from different periods of time and from differing transactions, not all data elements were provided to AMC on every loan within the securitization population. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| # of Units | Occupancy | Purpose |
| Borrower First Name | Original CLTV | Representative FICO |
| Borrower Last Name | Original Interest Rate | State |
| City | Original Loan Amount | Street |
| First Payment Date | Original LTV | Subject Debt Service Coverage Ratio |
| Lien Position | Original P&I | Zip |
| Maturity Date | Original Term | |
| Note Date | Property Type | |

---

Additional information about the data integrity review is included in Item 5 below.

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

**<u>LEASES REVIEW</u>**

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

For each Loan, AMC will review the Loan File and verify whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial application (1003), (b) credit report, (c) employment documentation, (d) asset documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g)

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appraisal, (h) title/preliminary title, (i) mortgage/deed of trust, (j) note, (k) certificate of business purpose / non-owner occupancy, (l) articles of incorporation, if applicable, (m) operating agreement, and (n) background check.

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

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

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

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

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

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

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

**Valuation Review:** AMC's review will include 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 will include verifying the appraisal report was (i) materially complete, (ii) in conformity with the guideline requirements for the property type in question, (iii) completed by an appraiser that was actively licensed to perform the valuation, (iv) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (iv) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, AMC's review will (i) review 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; (ii) confirm the property value and square footage of the subject property was bracketed by comparable properties, (iii) verify that comparable properties used are similar in size, style, and location to the subject, and (iv) check for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of AMC's review include (i) verifying that the address matched the mortgage note, (ii) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (iii) confirming the appraiser noted an estimated lease amount to be used in instances where there is no lease in place.

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

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

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

**Fraud / Criminal Background:** To the extent potentially fraudulent activity is identified as part of the document review, such information will be reported to Client. In addition, AMC will look for an independent, third party fraud report and background check 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.

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

Not applicable.

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

Not applicable.

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

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

**(9) Disclaimer.**

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

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

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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 in Item 3 of the Form ABS Due Diligence-15E.

**CREDIT RESULTS SUMMARY**

Within the securitization population, one (1) Loan (100.00%) possessed an "A" Credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of 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%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

Within the securitization population, 100.00% of the Loans possessed an "A" Property grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of 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%** |

---

**OVERALL RESULTS SUMMARY**

After considering the grading implications of the Credit, and Property/Valuation sections above, 100.00% of the Loans by number in the pool possessed a NRSRO grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of 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%** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 1 Loan reviewed, there were 2 different tape discrepancies. As discussed above, there were 22 data fields included in the tape integrity review. Not all data fields would have been provided on all Loans within the securitization population.

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Please note that Investor: Qualifying Total Debt Ratios where the variance was less than 200 basis points were excluded as deltas.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &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;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**22** | &nbsp;&nbsp;**9.09%** | &nbsp;&nbsp;**1** |

---

**ADDITIONAL MORTGAGE LOAN POPULATION SUMMARY\***

\*Some tables may not add to 100% due to rounding

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$900000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$900000.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$900000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$900000.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$900000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$900000.00** | &nbsp;&nbsp;**100.00%** |

---

5 \| P a g e

![](ex991001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$900000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$900000.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$900000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$900000.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$900000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$900000.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Profile** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;Leases | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$900000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$900000.00** | &nbsp;&nbsp;**100.00%** |

---

6 \| P a g e

## Exhibit 99.2

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller 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** |
| XXX | XXX | 2025120560 |  | XXX | XXX |  | XXX |  | XXX | 0.000% | XXX | XXX | XXX | Appraisal | XXX | XXX | XXX |  | XXX | XXX | 0.000% | XXX | XXX | Desk Review | Clear Capital |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |

---

## Exhibit 99.3

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Compliance<br> Initial Loan Grade** | **Compliance<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXX | XXX | 2025120560 |  | XXX | XXX | XXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | XXX coverage is insufficient by $XXX. Provide updated policy reflecting minimum coverage of $XXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount |  |  |  | Reviewer Comment (XXX): An XXX was provided.<br>Seller Comment (XXX): See attached XXX and updated XXX Coverage Cal. Please cancel. | XXX XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | C A |  | A |  | N/A | No |

---

## Exhibit 99.4

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.4**

---

| | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **Morningstar** | **Morningstar** |
| XXX | 2025120560 | XXX |  | XXX | XXX C |  |  |  |  |  |  | A | C | A |  |  |  |  |  |  | A | A |  |

---

## Exhibit 99.5

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.5**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Data Compare Summary (Total)** | **Data Compare Summary (Total)** | **Data Compare Summary (Total)** | **Data Compare Summary (Total)** | **Data Compare Summary (Total)** |
| **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** |
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| Street | 0 | 1 | 0.00% | 1 |
| City | 0 | 1 | 0.00% | 1 |
| State | 0 | 1 | 0.00% | 1 |
| Zip | 0 | 1 | 0.00% | 1 |
| Borrower First Name | 1 | 1 | 100.00% | 1 |
| Borrower Last Name | 1 | 1 | 100.00% | 1 |
| Note Date | 0 | 1 | 0.00% | 1 |
| Original Loan Amount | 0 | 1 | 0.00% | 1 |
| First Payment Date | 0 | 1 | 0.00% | 1 |
| Original Term | 0 | 1 | 0.00% | 1 |
| Maturity Date | 0 | 1 | 0.00% | 1 |
| Original Interest Rate | 0 | 1 | 0.00% | 1 |
| Original P&I | 0 | 1 | 0.00% | 1 |
| Representative FICO | 0 | 1 | 0.00% | 1 |
| Property Type | 0 | 1 | 0.00% | 1 |
| Lien Position | 0 | 1 | 0.00% | 1 |
| Occupancy | 0 | 1 | 0.00% | 1 |
| Purpose | 0 | 1 | 0.00% | 1 |
| # of Units | 0 | 1 | 0.00% | 1 |
| Original CLTV | 0 | 1 | 0.00% | 1 |
| Original LTV | 0 | 1 | 0.00% | 1 |
| Subject Debt Service Coverage Ratio | 0 | 1 | 0.00% | 1 |
| **Total** | **2** | **22** | **9.09%** | **1** |

---

## Exhibit 99.6

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.6**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** |  |  |  |  |  |
| **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** | **Run Date - XXX XXX PM** |  |  |  |  |  |  |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| XXX | XXX | 2025120560 |  |  | Borrower First Name | XXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXX | XXX | 2025120560 |  |  | Borrower Last Name | XXX | XXX, XXX | Verified | Field Value reflects Borrower name as it appears on the Note |

---

## Exhibit 99.7

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.7**

![](ex992001.jpg)

**NARRATIVE**

**AOMT 2025-12**

**By Canopy Financial Technology Partners LLC on November 10, 2025**

Canopy Financial Technology Partners LLC

<u>cwheeler@canopytpr.com</u> \| 801-792-2995 \| <u>www.canopytpr.com</u>

Address: 1 Research Court, Suite 450, Rockville, MD 20850

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex992001.jpg)

**Description of Services** 

Canopy Financial Technology Partners LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by Angel Oak Mortgage Fund EU B LLC (the "Client"). The Review was conducted during September 2025 via files imaged and provided by the Client for review.

The Review consisted of a population of one (1) loan with an aggregate principal balance of $975,000.

**Loan Sampling** 

The Client defined the sample size and the random sampling of the Loans to be included in the Review.

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSRO's); Fitch Ratings Inc. and Kroll Bond Rating Agency, LLC.

**Data Integrity** 

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Label** |  |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;DSCR (when applicable) | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex992001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Primary Mortgage or Rent Times 120+ | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Monthly Property Tax Amount | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio (when applicable) | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |

---

**Credit Underwriting**

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

**Loan Attributes.** To determine borrower program eligibility, Canopy verified the following loan attributes and, where applicable, re-calculated based on the information provided.

● Assets and Reserves;

● DTI (when applicable);

● DSCR (when applicable);

● Gross Income (when applicable);

● Housing history;

● Lien Position;

● Loan Purpose;

● LTV/CLTV;

● Monthly debt service;

● Occupancy;

● Property Type;

● Qualifying PITI; and

● Residual Income.

**Credit Application:** For the Credit Application (1003), Canopy verified whether:

● All known borrower-owned properties are disclosed on the REO Section;

● Borrower(s) employment history;

● Citizenship and eligibility;

● First time home buyer status;

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex992001.jpg)

● The application was signed by all borrowers; and

● The application was substantially completed.

**Credit History:** Canopy verified:

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

● Bankruptcy and foreclosure seasoning;

● Capture the monthly consumer debt payments for use in the applicable DTI calculation;

● Installment and revolving payment history;

● Mortgage/rental payment history;

● Note and research the Real Estate Owned, OFAC, and Fraud alerts;

● Number of tradelines; and

● Representative Credit Score and Methodology.

**Employment and Income:** Canopy determined whether all applicable supporting documentation as required by Seller's Guidelines and Ability to Repay ("**ATR**") when applicable per above were in the file. The documentation was used to verify whether the income used to qualify the loan was calculated in accordance with Seller's Guidelines. Documentation verifying employment and income were deemed acceptable if it was a third-party document as required by the Seller's Guidelines and ATR when applicable per above and may include:

● Verbal or Written VOE's;

● Paystubs;

● W-2 forms;

● Tax returns;

● Financial statements;

● Award letters;

● IRS Tax Transcripts (compared to Tax Returns provided by Borrower(s)).

**Fraud Review:** For all Loans, the Client provided the results from a third-party anti-fraud tool to Vendor. In accordance with the type of fraud report provided, Canopy utilized the results provided by the Client along with information in the Loan File, to identify and address any potential misrepresentations including:

● Borrower identity:

● Social Security inconsistencies

● Borrower name variations

● Employment

● Licensing – reviewed NMLS data for:

● Mortgage lender/originator

● Loan officer

● Occupancy:

● Borrower address history

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex992001.jpg)

● Subject property ownership history

● OFAC

**Asset Review:** Canopy assessed whether the asset documentation required by the Seller's Guidelines and ATR, when applicable, was present in the Loan File. Canopy also conducted a review of the reserve calculation, if used to determine ATR or required by the Seller's Guidelines, including a review of any large deposits. Canopy re-calculated gross, net, and liquid asset balances. The Asset Review also consisted of verifying the down payment, closing costs, prepaid items and reserves. Documentation used to verify assets for down payment, closing costs, prepaid items and reserves may have included:

● Depository account statements;

● Gift funds;

● Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved;

● Stock or security account statements; and/or

● VOD's.

**Hazard/Flood insurance/Taxes:** A review of the insurance present on the loan was performed by Canopy as follows:

● 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 what was used in 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 that taxes are current; and

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

**Automated Underwriting System Findings:** N/A

**Document Review** 

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

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● Initial application (1003);

● Final application (1003);

● Note;

● Mortgage/Deed of Trust;

● Appraisal;

● Sales Contract;

● Title Commitment/Policy;

● Junior Lien/Subordination Agreement;

● Mortgage Insurance;

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

● Flood Certification;

● Initial and Final Loan Estimate (LE);

● Initial and Final and Closing Disclosure (CD);

● Post-Consummation Closing Disclosure (PC-CD) [if applicable].

**Business Purpose Validation (when applicable)** 

For Loans originated as Business Purpose loans (as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act ("TILA") [15 U.S.C. 1601 et seq.]), Canopy assessed that the facts and circumstances of the subject loan did not trigger Consumer Purpose classification (also as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act [15 U.S.C. 1601 et seq.]).

**"Missing Document" to Cleared Exception:** In the event that there was no express statement in the Loan File, and there was no express evidence in the Loan File that the loan proceeds were used for "Business Purpose" Canopy assigned the file a "D" grade for missing said documentation. In the event that the express statement, or with clear, unequivocal documented evidence of use of loan proceeds for non-consumer, business purpose, was provided by the lender that defines and/or evidences the "primary purpose" of the loan as "business purpose" the "D" grade – "Missing Document", was cleared by Canopy.

**"Missing Document" to "B" Grade:** In the event that there was no express statement in the Loan File, and there was no express evidence provided that the loan proceeds were used for "Business Purpose", Canopy gave the file a "D" grade, for missing documentation. In the event that there was not any express statement or evidence of business purpose use of the proceeds, then the "D" grade – "Missing Document" initial finding was re-graded after conducting a full Consumer Purpose, regulatory compliance review, as applicable to assignees for Consumer Purpose loans. In the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

**"Material Compliance Violation":** In the event that no express statement existed in the Loan File, Canopy assessed any and all documentation provided to determine what the actual use of the proceeds

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were, to best identify that the "primary purpose" of the loan was not in fact for "business purpose" as relied upon by the lender, but is in fact for a "consumer purpose". If, in fact, evidence existed that the proceeds were used for personal, Consumer Purpose, then Canopy identified that the "primary purpose" of the loan is not "business purpose" and as "consumer purpose" subject to the full Consumer Purpose regulatory compliance obligations of an originator as it applies to an assignee, with a material compliance exception of a "C" grade.

**"Material Compliance Violation" to "B" Grade:** The above noted Material Compliance Violation was re-graded to a "B" grade by conducting a full Consumer Purpose regulatory compliance review, as applicable to assignees for Consumer Purpose loans, and in the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

**Compliance Review** 

Canopy reviewed each Loan File and, if applicable, 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. Canopy's review included, but was not limited to, the verification and validation that each mortgage loan met the relevant provisions of:

(i) **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
 HOEPA and any state and local high-cost home loan laws. Assignee shall have the meaning
 as defined in TILA;

(ii) the **Truth in Lending Act** (" <u>TILA</u> "), as amended by HOEPA, 15 U.S.C.
 §1601 et seq., as implemented by Regulation Z, 12 C.F.R. Part 1026;

(iii) the **Real Estate Settlement Procedures Act** (" <u>RESPA</u> "), 12 U.S.C.
 §2603, as implemented by Regulation X, 12 C.F.R. Part 1024;

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

**I.** **Compliance Documentation Requirements** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 of the following documents as they related to regulatory compliance:

&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. Initial
 and final application (1003)

&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. Note,
 including all addendums

&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. Copy
 of note for any junior liens (if applicable)

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Mortgage
 / Deed of Trust, including all riders

&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. Initial,
 Interim, and Final Loan Estimates ("LE")

&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. 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)

&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. Notice
 of Right to Cancel (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;viii. Rate
 Lock Date 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;ix. HOEPA
 Disclosures (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;x. Initial
 Escrow Account Disclosure

**II.** **Anti-Predatory Lending (Assignee Liability)** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. 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.

**III.** **Compliance Testing Elements** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. **Truth-in-Lending Act (TILA) / Regulation Z**: Loans were reviewed to determine compliance with the following
 requirements of TILA and Regulation Z, including, but not limited to, the following:

&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. **TILA/RESPA Integrated Disclosure Testing ("TRID")**. A review and comparison of LEs
 and CDs with a report outlining any TILA violations, including a re-calculation of disclosed
 finance charge, principal and interest calculations, proper completion of the Projected
 Payments table, total of payments, finance charge, amount financed, recalculation of
 disclosed APR and a review to determine disclosure differences were within the allowed
 tolerances and disclosures were provided within the required timeframes. Testing will
 be conducted to fulfill the elements of the Structured Finance Association (SFA) TRID
 Compliance Review Scope ("TRID Grid 4.0");

&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. **Right of Rescission**. A review of the TILA Right of Rescission, Notice of Right to Cancel,
 including a verification of the transaction date and expiration date, ensuring proper
 execution of the Notice of Right to Cancel by all required parties, verifying the disbursement
 date and determining if a full three (3) day rescission period was adequately provided
 to the borrower(s). The appropriate Model Form will be tested according to applicable
 U.S. Court of Appeals, Circuit Court rulings;

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**Qualified Mortgage and Ability to Repay**. A review 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. QM and ATR testing is detailed below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. **Real Estate Settlement Procedures Act (RESPA)/Regulation X**: Review 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).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. **Equal Credit Opportunity Act (ECOA)/Regulation B**: Confirm 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 may be met by the disclosure
 on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. **Fair Credit Reporting Act (FRCA)/Regulation V**: Confirm compliance with the current FCRA/Regulation
 V requirements regarding risk-based pricing notice, credit score disclosure and Notice
 to Home Loan Applicant, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**e.** **Miscellaneous Compliance Testing:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mandatory
 Arbitration – Canopy will report 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;&nbsp;&nbsp;&nbsp;&nbsp;ii. Single
 Premium Credit Insurance – Canopy will report 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;&nbsp;&nbsp;&nbsp;&nbsp;iii. TPR
 will test for state prepayment and late charge restrictions. If a prepayment penalty
 that exceeds the state permitted penalty has expired, this must be reported.

**State & Local Anti-Predatory Requirements** 

The following is an itemization of the generally understood current and historical state and local anti-predatory lending requirements, as customary in secondary market due diligence compliance testing:

● 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)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● 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; 24-1.1(E)(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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)** 

With respect to QM (Safe Harbor and Rebuttable Presumption) designated loans, Canopy reviews the loan to determine whether, based on available information in the Loan File: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

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, Canopy reviews 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 reviews the Automated Underwriting System output within the file to confirm agency eligibility.

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For each QM designated loan that satisfied the applicable requirements enumerated above, Canopy then determines whether the loan is 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)***

Canopy reviews 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 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.

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

Canopy reviews 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 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"). Canopy does not represent or warrant that the factors for which it is reviewing the loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a loan. Canopy's review is based on information contained in the Loan File at the time it is provided to Canopy to review, and only reflects information as of that point in time.

**Valuation Review** 

Canopy reviewed all appraisals and alternative value tools used to qualify the Loan for reasonableness of estimated value, integrity of comparable sales, completeness of data and eligibility of the appraiser, consistent with underwriting guidelines, variances, tolerances, and exception authorities established by Client. Additionally, Canopy determined that the appraised value appeared to be reasonably supported ("Value-Supported Analysis"), based on the valuation provided by the Independent Third-party Review.

● With respect to Title XI of FIRREA, Canopy 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.

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● With respect to USPAP, Canopy confirmed the appraiser's certification is present and executed within the original appraisal.

***Independent third-party values***

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

**Valuation Reconciliation Process:**

● If a Desk Review, or other acceptable review product, was provided supporting the origination appraised value within a -10% variance and acceptable confidence score, no additional products were required.

● In the event a Desk Review yielded material exceptions or had a value exceeding a negative ten percent (-10%) variance, a field review or second appraisal was ordered to further establish value.

**Agency Eligible Loans:** 

● For FNMA loans, if a CU Score was available and the CU Score was greater than 2.5, Canopy ordered an AVM or Desk Review. If the CU Score was less than or equal to 2.5, no further review product was required based on market acceptance of Agency Eligible Loans.

● For FHLMC loans, if the FHLMC Rep & Warrant Relief indicator was Not Eligible, Canopy ordered an AVM or Desk Review. If the FHLMC Rep & Warrant Relief indicator was Eligible, no further review product was required based on market acceptance of Agency Eligible Loans.

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

Upon completion of the Loan File review, Canopy assigned comprehensive grading that considers critical factors based on the specific review completed, in addition to product, client, and rating agency requirements.

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

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

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

---

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| | |
|:---|:---|
| &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** | There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grade** | &nbsp;&nbsp;**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 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. |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex992001.jpg)

**C** The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition, or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms

**D** The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. 

**FINDINGS SUMMARY**

**Summary Overview** 

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 0.00% (0 loans) have an overall grade of "A", and one loan (1) has an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 0.00%, or zero (0) mortgage loan reviewed, and one loan (1) has an overall grade of "B".

Canopy's review concluded a Compliance grade of "A" for 100.00%, or one (1) mortgage loan reviewed, and zero loans (0) have an overall grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 100.00%, or one (1) mortgage loan reviewed, and zero loans (0) have an overall grade of "B".

**FINDINGS TABLE**

**REVIEW TABLES**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &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;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex992001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &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;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &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;**Grand Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &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;**Grand Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

**Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$975000.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$975000.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$975000.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$975000.00** |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex992001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$975000.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$975000.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$975000.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$975000.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$975000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$975000.00** |

---

**DATA COMPARISON RESULTS**

Of the one (1) mortgage loan file reviewed, zero (0) unique loans (0.00% by number) had tape comparison discrepancies across all data fields.

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex992001.jpg)

**Disclaimer**

 

*Canopy Financial Technology Partners, 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).* 

*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. Neither supplemental factual investigation nor enhanced reviews can guarantee that all information provided to the Company will be accurate. Reports are, and must be construed solely as, statements of opinion and not as statements of fact as to credit worthiness, investment, financial, or other recommendation to purchase, sell, or hold any security.* 

*Reports may contain assumptions and/or predictions regarding future events which are "forward-looking" and inherently cannot be verified as facts. Consequently, Reports may be affected by future events or conditions which were not anticipated at the time the Report was made. Such forward-looking statements necessarily involve risks and uncertainties which may result in future performance that is materially different from the Report's assumptions and/or conclusions. As such, Reports are not a guaranty of future performance nor a prospectus related to the underlying securities (if any), and under reliance should not be placed upon the Reports in the purchase, sale, or holding of any security.*

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

## Exhibit 99.8

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.8**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan 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** |
| 2025120559 |  | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Exception granted with supporting comp factors: exception for Rural XXX XXX acres @XXX% LTV is approved - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. this is a level XXX .u/w to XXX guidelines see attached - Buyer-XXX<br> Counter-Document Uploaded. Per Guidelines: Second Home; and Investment Properties (non-DSCR) may be considered when the subject has <= XXX acres up to a max LTV of XXX%. The Subject Property is Rural with XXX acres. and the approved Exception located on page XXX is missing comp factors. <br> - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Missing comp factors used for approved exception for Rural property zoned XXX with XXX acres. - Due Diligence Vendor-XXX |  | Waived-Exception granted with supporting comp factors: exception for Rural XXX XXX acres @XXX% LTV is approved - Due Diligence Vendor-XXX | Borrower 2 Has Stable Job Time Of XXX (XXX) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of XXX (XXX) Or More Years At Current Job - XXX Years<br> Borrower 1 Has Stable Job Time Of XXX (XXX) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXX (XXX) Or More Years At Current Job - XXX Years<br> Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (XXX%) Or More - Calculated DTI Of XXX% Is Less Than The Guideline Maximum Of XXX% By XXX Percent (XXX%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By XXX (XXX) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of XXX By XXX (XXX) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By XXX (XXX) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By XXX (XXX) or More Points | Qualifying FICO is Greater Than The Guideline Minimum By XXX <br> Calculated DTI Is Less Than The Guideline Maximum By XXX Percent<br> Months Reserves Are Greater Than The Guideline Minimum By XXX  | XXX.pdf<br> XXX.jpg<br> XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | XXX | Originator Post-Close | Yes | XXX |
| 2025120559 |  | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Corrected Appraisal now showing Tenant provided - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. revised report - Buyer-XXX<br> Open-Appraisal states Owner Occupied however this is investment loan. - Due Diligence Vendor-XXX |  | Resolved-Corrected Appraisal now showing Tenant provided - Due Diligence Vendor-XXX | Borrower 2 Has Stable Job Time Of XXX (XXX) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of XXX (XXX) Or More Years At Current Job - XXX Years<br> Borrower 1 Has Stable Job Time Of XXX (XXX) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXX (XXX) Or More Years At Current Job - XXX Years<br> Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (XXX%) Or More - Calculated DTI Of XXX% Is Less Than The Guideline Maximum Of XXX% By XXX Percent (XXX%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By XXX (XXX) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of XXX By XXX (XXX) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By XXX (XXX) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By XXX (XXX) or More Points |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |

---

## Exhibit 99.9

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.9**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2025120559 |  |  | XXX C A B |

---

## Exhibit 99.10

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.10**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 2025120559 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.11

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.11**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |

---

## Exhibit 99.12

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.12**

![](ex993001.jpg)

**EXECUTIVE SUMMARY**

**AOMT 2025-12**

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

AOMT 2025-12 Due Diligence Narrative Report – PagE \| 1

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 82 Loans (the "Loans") originated by a correspondent lender and acquired by Angel Oak Mortgage Fund EU B LLC (the "Client") for the AOMT 2025-12 transaction. The Loans referenced in this narrative report were reviewed between 02/2025 to 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:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;31 | &nbsp;&nbsp;37.80% | &nbsp;&nbsp;$13846325.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;11 | &nbsp;&nbsp;13.41% | &nbsp;&nbsp;$2909750.00 |
| &nbsp;&nbsp;Correspondent Flow without Delegated UW | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.44% | &nbsp;&nbsp;$689200.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;38 | &nbsp;&nbsp;46.34% | &nbsp;&nbsp;$13780859.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**82** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$31226134.00** |

---

The Review consisted of a population of 82 Loans, with an aggregate principal balance of $31,226,134.00.

**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.

**LOAN SAMPLING**

The Clients 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.

The Review was conducted consistent with the criteria for the Nationally Recognized Statistical Rating Organizations ("NRSROs") specified below:

AOMT 2025-12 Due Diligence Narrative Report – PagE \| 2

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019;<br> Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025 |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |
| &nbsp;&nbsp;Moody's Investors Service, Inc. | &nbsp;&nbsp;Moody's Approach to Rating US RMBS Using the MILAN Framework dated July 18, 2024 |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due Diligence Criteria for U.S. RMBS Transactions, September 30, 2024. |

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Amount of Other Lien |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Change Frequency |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 First Name |

---

AOMT 2025-12 Due Diligence Narrative Report – PagE \| 3

---

| |
|:---|
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - White |
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Origination FICO |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Business Purpose Flag |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lender Name |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Originator Doc Type |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |

---

AOMT 2025-12 Due Diligence Narrative Report – PagE \| 4

---

| |
|:---|
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Property Value Flag - Primary Appraised Property Value |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Vested Business Entity Name |
| &nbsp;&nbsp;Vested Business Entity Type |

---

**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 Clients, including, as applicable, Ability to Repay and Qualified Mortgage requirements. The Credit Qualification review consisted of the following:

● **Loan Attributes** 

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

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

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

– Monthly Debt

– Occupancy

– Property Type

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

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

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● **Credit Application** 

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

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

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

● **Credit History** 

Clarifii verified the following items:

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

– Bankruptcy and foreclosure seasoning

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

– Installment and revolving payment history

– Mortgage/Rental payment history

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

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

● **Employment and Income** 

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

– Tax returns

– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in Loan file

● **Fraud Review** 

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

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– Borrower identity

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

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

– Occupancy

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

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

– Employment

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

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

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

OFAC

● **Asset Review** 

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

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

– Gift funds

– Settlements statements

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

– Other documentation in Loan file

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

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

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

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

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

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

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

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

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

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

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

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

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

● **Flood Certification** 

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

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

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

**COMPLIANCE REVIEW**

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

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

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

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

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

● **Compliance Documentation Requirements** 

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

– Initial and final application (1003)

– Note, including all addendums

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

– Mortgage / Deed of Trust, including all riders

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

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

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

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

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

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

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

**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

AOMT 2025-12 Due Diligence Narrative Report – PagE \| 9

Disclosure Statement; Affiliated Business Arrangement Disclosure; Initial Escrow Disclosure Statement; List of Homeownership Counselling Organizations).

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

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

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).

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

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

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

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

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

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

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

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

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

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

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

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

– 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.

AOMT 2025-12 Due Diligence Narrative Report – PagE \| 11

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

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

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

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the Loan.

AOMT 2025-12 Due Diligence Narrative Report – PagE \| 12

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

With respect to QM (Safe Harbor and Rebuttable Presumption) designated Loans, Clarifii reviewed the Loan to determine whether, based on available information in the Loan file, (i) the Loan contained risky Loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceeded the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeded 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review included a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

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

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

**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

AOMT 2025-12 Due Diligence Narrative Report – PagE \| 13

may be considered by legislative, regulatory, administrative, or judicial authorities (Authorities). Clarifii does not represent or warrant that the factors for which it has reviewed that the Loans constitute all the factors and/or criteria that Authorities may consider in determining the status of a Loan.

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

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

**VALUATION REVIEW**

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

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

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

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

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

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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

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

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● For Loans with a Freddie Mac Loan Collateral Advisor Score (LCA), if an LCA Score was available and the LCA Score was greater than 2.5, a Desk Review was either reviewed in the Loan file or ordered by Clarifii. If the LCA Score was less than or equal to 2.5, a Desk Review was not obtained/required based on market acceptance of UCDP Risk Score.

**VALUATION RESULTS SUMMARY**

The table below summarizes 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%<br> Variance to OA or<br> Confidence < 80%** | &nbsp;&nbsp;**Number of Files <br> within -10% of OA <br> or Acceptable UCDP<br> Risk Score \*** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;LCA and/or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;53 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

**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, clients, 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**

---

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

---

AOMT 2025-12 Due Diligence Narrative Report – PagE \| 15

**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

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

---

**Compliance Event Grade** 

---

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

---

AOMT 2025-12 Due Diligence Narrative Report – PagE \| 16

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;66 | &nbsp;&nbsp;80.49% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;16 | &nbsp;&nbsp;19.51% |
| &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;**82** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;69 | &nbsp;&nbsp;84.15% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;13 | &nbsp;&nbsp;15.85% |
| &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;**82** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;82 | &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;**82** | &nbsp;&nbsp;**100.00%** |

---

AOMT 2025-12 Due Diligence Narrative Report – PagE \| 17

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;78 | &nbsp;&nbsp;95.12% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;4.88% |
| &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;**82** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;4 | &nbsp;&nbsp;4.88% | &nbsp;&nbsp;$2410750.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;78 | &nbsp;&nbsp;95.12% | &nbsp;&nbsp;$28815384.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**82** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$31226134.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;16 | &nbsp;&nbsp;19.51% | &nbsp;&nbsp;$10653360.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.44% | &nbsp;&nbsp;$3292000.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;64 | &nbsp;&nbsp;78.05% | &nbsp;&nbsp;$17280774.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**82** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$31226134.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;44 | &nbsp;&nbsp;53.66% | &nbsp;&nbsp;$14954170.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;38 | &nbsp;&nbsp;46.34% | &nbsp;&nbsp;$16271964.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**82** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$31226134.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;82 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$31226134.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**82** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$31226134.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.44% | &nbsp;&nbsp;$850250.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;80 | &nbsp;&nbsp;97.56% | &nbsp;&nbsp;$30375884.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**82** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$31226134.00** |

---

AOMT 2025-12 Due Diligence Narrative Report – PagE \| 18

**DATA COMPARE RESULTS**

Clarifii provided Clients 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** | &nbsp;&nbsp;**Accuracy <br> %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;30 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;82 | &nbsp;&nbsp;98.78% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Origination FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;16 | &nbsp;&nbsp;37 | &nbsp;&nbsp;56.76% |

---

AOMT 2025-12 Due Diligence Narrative Report – PagE \| 19

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;80 | &nbsp;&nbsp;98.75% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;81 | &nbsp;&nbsp;98.77% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lender Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;78 | &nbsp;&nbsp;97.44% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;27 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;4 | &nbsp;&nbsp;81 | &nbsp;&nbsp;95.06% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;82 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;79 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;81 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;77 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;2 | &nbsp;&nbsp;82 | &nbsp;&nbsp;97.56% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;4 | &nbsp;&nbsp;82 | &nbsp;&nbsp;95.12% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;17 | &nbsp;&nbsp;80 | &nbsp;&nbsp;78.75% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;82 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;56 | &nbsp;&nbsp;96.43% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;5 | &nbsp;&nbsp;56 | &nbsp;&nbsp;91.07% |
| &nbsp;&nbsp;Qualifying Property Value Flag - Primary Appraised Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;2 | &nbsp;&nbsp;22 | &nbsp;&nbsp;90.91% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;42 | &nbsp;&nbsp;97.62% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;78 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;78 | &nbsp;&nbsp;100.00% |

---

AOMT 2025-12 Due Diligence Narrative Report – PagE \| 20

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Vested Business Entity Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

2. Attestation
 Forms

3. ASF
 Report

4. Rating
 Agency Grade Detail and Summary Report

5. Data
 Compare Report

6. Valuations
 Report

7. Rating
 Agency ATR/QM Report

8. Supplement
 Data Extract

9. Business
 Purpose Supplement Data Extract Report

**Disclaimer**

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

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

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

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

*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.

AOMT 2025-12 Due Diligence Narrative Report – PagE \| 21

## Exhibit 99.13

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.13**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan 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** |
| 2025120618 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received corrected consolidated XXX Note. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Corrected Note - Buyer-XXX<br> Open-There are Issues Present on the Note that must be addressed. The loan has a XXX yr XXX period as the XXX payment is indicative of an XXX payment but there is no reference to this on the Consolidated Note. - Due Diligence Vendor-XXX |  | Resolved-Received corrected consolidated XXX Note. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Borr qualifying FICO score XXX. Per guides, minimum score required XXX.<br> Qualifying DTI below maximum allowed - Borr DTI XXX%. Per guides, maximum DTI XXX%. |  | XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120618 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Fraud Guard Uploaded - Buyer-XXX<br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-XXX |  | Resolved-Received Fraud Report. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Borr qualifying FICO score XXX. Per guides, minimum score required XXX.<br> Qualifying DTI below maximum allowed - Borr DTI XXX%. Per guides, maximum DTI XXX%. |  | XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120585 | XXX | XXX D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Received XXX to Mortgage and Addendum to Note - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. pls see attached XXX to accompany mortgage for recording. XXX - Seller-XXX<br> Counter-XXX states XXX months that exceeds XXX% of the XXX, but the term is XXX%, XXX%, XXX% - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. the enclosed XXX is enclosed - Seller-XXX<br> Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: 'XXX' Diligence value 'XXX'. Prepay Note Addendum states XXX month prepay term however this conflicts with the prepay structured of XXX, addendum must be corrected. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. pls see attached XXX to accompany mortgage for recording. XXX - Seller-XXX<br> Ready for Review-Document Uploaded. the enclosed XXX is enclosed - Seller-XXX | Resolved-Received XXX to Mortgage and Addendum to Note - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Score is XXX and minimum allowed is XXX.<br> DSCR % greater than XXX - DSCR % greater than XXX. DSCR is XXX |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120585 | XXX | XXX D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received complete lease on XXX units. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX showing amounts are enclosed - Seller-XXX <br> Counter-Leases provided are incomplete. Amount of the leases is $XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX XXX leases - Seller-XXX<br> Open-Per guides a lease agreement is required if property is leased. 1025 Appraisal states XXX occupied and list amount for both units. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. vouchers showing amounts are enclosed - Seller-XXX<br> Ready for Review-Document Uploaded. XXX - Seller-XXX | Resolved-Received complete lease on XXX units. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Score is XXX and minimum allowed is XXX.<br> DSCR % greater than XXX - DSCR % greater than XXX. DSCR is XXX |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120585 | XXX | XXX D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | XXX is Partial | Resolved-Received XXX number. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. policy # showing - Seller-XXX<br> Open-XXX (Or XXX if Subject Property is a XXX) is only Partially Provided. Missing XXX number. Provide a revised XXX reflecting the policy number. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. policy # showing - Seller-XXX | Resolved-Received XXX number. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Score is XXX and minimum allowed is XXX.<br> DSCR % greater than XXX - DSCR % greater than XXX. DSCR is XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120585 | XXX | XXX D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted to allow loan amount. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. loan amount exception - Seller-XXX<br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $XXX. Loan amounts under $XXX by exception only. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. loan amount exception - Seller-XXX | Waived-Originator exception granted to allow loan amount. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Score is XXX and minimum allowed is XXX.<br> DSCR % greater than XXX - DSCR % greater than XXX. DSCR is XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Originator Post-Close | Yes | XXX |
| 2025120585 | XXX | XXX D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-XXX<br> Open-Borrower has XXX loans with lender exceeds the max of XXX.<br> Originator exception granted to allow lender exposure of XXX loans to same borrower. Deemed non-material due to borrower paying off blanket mortgage paid timely for XXX months, total dollar exposure will be less than $XXX. Lender exception comp factor section is incomplete. - Due Diligence Vendor-XXX |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Score is XXX and minimum allowed is XXX.<br> DSCR % greater than XXX - DSCR % greater than XXX. DSCR is XXX | Fico XXX points or more above requirement.<br> DSCR XXX or greater |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Originator Post-Close | Yes | XXX |
| 2025120586 | XXX | XXX D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $XXX Originator exception granted to allow loan amount. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. loan amount exception - Seller-XXX<br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $XXX Audited Loan Amount $XXX is less than the Guideline Minimum Loan Amount of $XXX. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. loan amount exception - Seller-XXX | Waived-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $XXX Originator exception granted to allow loan amount. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying FICO score XXX; guidelines require XXX. <br> DSCR % greater than XXX - DSCR is XXX. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Originator Post-Close | Yes | XXX |
| 2025120586 | XXX | XXX D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Appraisal is Expired | Resolved-Received Re-Cert of value (XXX). - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. recert - Seller-XXX<br> Open-Primary Value Appraisal is Expired . The appraisal should be dated no more than XXX days prior to the Note date. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. recert - Seller-XXX | Resolved-Received Re-Cert of value (XXX). - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying FICO score XXX; guidelines require XXX. <br> DSCR % greater than XXX - DSCR is XXX. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120586 | XXX | XXX D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow exposure. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. exception - Seller-XXX<br> Open-Housing History Does Not Meet Guideline Requirements Borrower has over XXX loans/XXX. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. exception - Seller-XXX | Waived-Originator exception granted to allow exposure. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying FICO score XXX; guidelines require XXX. <br> DSCR % greater than XXX - DSCR is XXX. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Originator Post-Close | Yes | XXX |
| 2025120586 | XXX | XXX D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. cash out sett stmt - Seller-XXX<br> Open-Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. cash out sett stmt - Seller-XXX | Resolved-Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying FICO score XXX; guidelines require XXX. <br> DSCR % greater than XXX - DSCR is XXX. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120635 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Note, monthly payments were not required. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Per Note in the file no Mtg payments are due - Buyer-XXX<br> Counter-Received duplicate documentation regarding primary residence-original finding remains- Missing acceptable XXX month pay history for subject loan. B1 acquired property in XXX and Final CD reflect lien paid off to XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. The Rent free letter was signed by XXX it would not need to be signed by B1 as the letter is not written by her but for her. - Buyer-XXX<br> Open-Housing History Does Not Meet Guideline Requirements Missing acceptable XXX month pay history for subject loan. B1 acquired property in XXX and Final CD reflect lien paid off to XXX. - Due Diligence Vendor-XXX |  | Resolved-Received Note, monthly payments were not required. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX<br> DSCR % greater than XXX - DSCR = XXX |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120635 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Received XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-XXX<br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (XXX) is not Present This appraisal was completed "subject to" the subject property being recorded on a separate deed as a XXX. - Due Diligence Vendor-XXX |  | Resolved-Received XXX - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX<br> DSCR % greater than XXX - DSCR = XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120636 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received sufficient documentation to meet the housing history requirement. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Payoff for this refinance transaction shows both Properties on this payoff at bottom of page for XXX and XXX,<br> Blanket Mtg (XXX) XXX originated XXX amount $XXX - Partial payments and then final balance was paid off in refinance of this transaction, XXX, and sale of XXX,<br> Settlement XXX XXX shows partial payoff XXX ,<br> Rebuttal: We will not be able to provide additional mortgage history XXX, XXX for XXX Mtg due to sale of XXX XXX and Refinance of this transaction XXX. This mortgage started out as a blanket Mortgage for XXX, and XXX. See Blanket Note amount XXX Originated XXX, first payment due XXX. Then see the closing statement sale of XXX with a payoff of XXX to XXX. on XXX. <br> Both payoffs for XXX and XXX (XXX) = (add up to) $XXX which includes the amount of mortgage and interest due for both properties.<br> - Buyer-XXX<br> Counter-Received settlement statement confirm XXX paid in full XXX. Settlement statement for XXX also reflects XXX XXX - please provide acceptable XXX month payment history or confirmation silent. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Rebuttal Submitted: Final XXX XXX is paid XXX , sold XXX. XXX dh credit supp XXXc Balance $XXX Payment $XXX in file goes to XXX is sufficient evidence since XXX no over XXX days at XXX of XXX. (See attached Settlement Statement XXX paid off XXX - Buyer-XXX <br> Open-Housing History Does Not Meet Guideline Requirements Mortgage payment for XXX acct # XXX for XXX and XXX not provided. - Due Diligence Vendor-XXX |  | Resolved-Received sufficient documentation to meet the housing history requirement. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX.<br> Qualifying DTI below maximum allowed - Qualifying DTI XXX%; max permitted XXX%. |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120636 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Cash Out Meets Guideline Requirements - XXX to the greater of $XXX or XXX% of the loan amount - borrower is getting cash back at closing of $XXX. - Due Diligence Vendor-XXX <br> Open-Cash Out Does Not Meet Guideline Requirements Per title and appraisal, borrower obtained property XXX. Subject loan is paying off interest only note. Borrower received $XXX at closing. - Due Diligence Vendor-XXX |  | Resolved-Cash Out Meets Guideline Requirements - XXX limited to the greater of $XXX or XXX% of the loan amount - borrower is getting cash back at closing of $XXX. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX.<br> Qualifying DTI below maximum allowed - Qualifying DTI XXX%; max permitted XXX%. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120633 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Client exception granted to allow laps in XXX coverage. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. The attached were uploaded as batch condition documents XXX. - Buyer-XXX<br> Counter-Received XXX-please provide evidence of hazard in effect on or before Note date. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. Supporting Doc - Buyer-XXX <br> Open-Hazard Insurance Effective Date of XXX is after the Note Date of XXX Missing evidence of sufficient coverage at the time of close. - Due Diligence Vendor-XXX |  | Waived-Client exception granted to allow laps in XXX coverage. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months reserves documented, XXX months requried<br> Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025120633 | XXX | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Confirmed - The legal uploaded is the legal that was recorded with the mortgage - Due Diligence Vendor-XXX<br> Counter-Please provide complete security instrument with legal description attached. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. Legal Desc. recorded with Mortgage - Buyer-XXX <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing legal description - Due Diligence Vendor-XXX |  | Resolved-Confirmed - The legal uploaded is the legal that was recorded with the mortgage - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months reserves documented, XXX months requried<br> Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120616 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received rent free letter - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. Supporting Document - Seller-XXX <br> Counter-Received rent free letter-letter must be signed and dated. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. Supporting Doc - Buyer-XXX <br> Open-Housing History Does Not Meet Guideline Requirements Missing most recent XXX months payment history for borrower's primary residence. Loan file only contained a current status online image, not payment history. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Supporting Document - Seller-XXX | Resolved-Received rent free letter - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Reserves: XXX Min XXX (of which XXX months own funds)<br> LTV is less than guideline maximum - LTV: XXX% Max XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> DSCR % greater than XXX - DSCR: XXX Min XXX |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120616 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. this is the legal that will be recorded with the DOT<br> - Buyer-XXX<br> Open-Legal Description referenced as attached to Security Instrument is not included within the document or riders. - Due Diligence Vendor-XXX |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Reserves: XXX Min XXX (of which XXX months own funds)<br> LTV is less than guideline maximum - LTV: XXX% Max XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> DSCR % greater than XXX - DSCR: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120616 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calculation. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. DSCR calc - Buyer-XXX<br> Open-The DSCR Calculation from lender is Missing. Missing lender's DSCR Calculation Worksheet or 1008 showing calculation. - Due Diligence Vendor-XXX |  | Resolved-Received DSCR calculation. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Reserves: XXX Min XXX (of which XXX months own funds)<br> LTV is less than guideline maximum - LTV: XXX% Max XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> DSCR % greater than XXX - DSCR: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120616 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Missing Disclosure - Patriot Act Borrower Identification Form | Resolved-Received photo ID. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting doc - Buyer-XXX<br> Open-Missing XXX Identification Form<br> - Due Diligence Vendor-XXX |  | Resolved-Received photo ID. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Reserves: XXX Min XXX (of which XXX months own funds)<br> LTV is less than guideline maximum - LTV: XXX% Max XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> DSCR % greater than XXX - DSCR: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120590 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Client provided a waiver for total exposure to XXX borrower, applied to non material finding with comp factors - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX <br> Counter-Originator Approved exception provided, please provide the client approved exception. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Approved at bottom of page - Buyer-XXX<br> Counter-Received exception request for concentration of loans to one investor--provide client exception approval. Missing exception for guideline XXX exposure. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX <br> Open-Borrower has XXX units financed with XXX (XXX on loan application & XXX concurrent new purchases) with a total exposure of $XXX which exceeds the $XXX and XXX loan max - Due Diligence Vendor-XXX |  | Waived-Client provided a waiver for total exposure to one borrower, applied to non material finding with comp factors - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> Months Reserves exceed minimum required - Reserves: XXX months Min XXX<br> DSCR % greater than XXX - DSCR: XXX Min XXX | FICO: XXX<br> DSCR: XXX%<br> Reserves: XXX months verified.  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025120590 | XXX | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | XXX does not meet requirements | Resolved-Received internet search - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded.XXX Rating - Buyer-XXX <br> Open-Per Guideline Review letter,XXX must meet XXX N/W guidelines. Per XXX XXX guidelines...."Project must have obtained a XXX or XXX rating for its XXX, motel, or XXX operations through hotel ratings providers including, but not limited to, travel agencies, hotel booking websites, and internet search engines" which was not provided. - Due Diligence Vendor-XXX |  | Resolved-Received internet search - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> Months Reserves exceed minimum required - Reserves: XXX months Min XXX<br> DSCR % greater than XXX - DSCR: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120614 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received XXX Note. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. Corrected Note - Buyer-XXX<br> Open-There are Issues Present on the Note that must be addressed. Final Closing Disclosure indicates XXX Year Interest Only, but this is not included on the Note. - Due Diligence Vendor-XXX |  | Resolved-Received XXX Note. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Min XXX, actual XXX<br> LTV is less than guideline maximum - Max XXX%, actual XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX |  | XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120614 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-XXX<br> Open-The Note is Incomplete Missing interest only verbiage. - Due Diligence Vendor-XXX |  | Resolved-The Note is Present - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Min XXX, actual XXX<br> LTV is less than guideline maximum - Max XXX%, actual XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120614 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. TITLE - Buyer-XXX <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Insufficient coverage, no supplement found in loan file - Due Diligence Vendor-XXX |  | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Min XXX, actual XXX<br> LTV is less than guideline maximum - Max XXX%, actual XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX |  | XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120614 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 XXX Credit Report is Missing | Resolved-Received XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Seller-XXX<br> Open-Borrower 1 XXX Credit Report is Missing Missing from loan file - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Supporting Document - Seller-XXX | Resolved-Received XXX. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Min XXX, actual XXX<br> LTV is less than guideline maximum - Max XXX%, actual XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX |  | XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120614 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-After further review, this state does not require an interest-only XXX to the Mortgage. - Due Diligence Vendor-XXX<br> Open-The Deed of Trust is Incomplete Missing interest only XXX. - Due Diligence Vendor-XXX |  | Resolved-After further review, this state does not require an XXX to the Mortgage. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Min XXX, actual XXX<br> LTV is less than guideline maximum - Max XXX%, actual XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120614 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Client exception granted to allow Waive seasoning of the funds, Non-materialwaiver applied with comp factors. non-material due to funds form sale of home. - Due Diligence Vendor-XXX<br> Open-Income and Employment Do Not Meet Guidelines Exception request to use Waived-Client exception granted to allow Waive seasoning of the funds, Non-materialwaiver applied with comp factors. non-material due to funds form sale of home. - Due Diligence Vendor-XXX<br> Months Reserves exceed minimum required - Min XXX, actual XXX<br> LTV is less than guideline maximum - Max XXX%, actual XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX None found in email exception request Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX XXX XXX XXX XXX Investor Post-Close No XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120614 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Min XXX, actual XXX<br> LTV is less than guideline maximum - Max XXX%, actual XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025120628 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Subject property is listed for sale | Waived-Client provided a waiver for recently listed property Waived-Client provided a waiver for recently listed property Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. FICO: XXX<br> Reserves: XXX months XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX Investor Post-Close No XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120628 | XXX | C B A | Closed | XXX | XXX | XXX | 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-XXX<br> Ready for Review-Document Uploaded. page XXX right after page XXX of XXX, of the note, please review the documentation and read my notes when I upload something, it is the legal that is part of Mortgage! - Buyer-XXX<br> Counter-Legal from Title provided. Please provide the legal description attached to the Mortgage being sent for recording. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Legal is page XXX<br> - Buyer-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description. - Due Diligence Vendor-XXX |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120628 | XXX | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Borrower | Clarification of Application Date | Resolved-Received Initial 1003. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. 1003 uploaded - Seller-XXX<br> Open--Missing evidence of initial application date. Provide corrected initial application or lender cert/affidavit confirming the application date. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. 1003 uploaded - Seller-XXX | Resolved-Received Initial 1003. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120610 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received taxes and insurance - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX<br> Counter-Documentation provided is insufficient. Please provide taxes and insurance for property XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Buyer-XXX<br> Counter-Documentation provided is insufficient. Please provide taxes and insurance for property XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX<br> Open-XXX XXX mortgage payment in non-borrowing spouse's name, lender used taxes and insurance for qualifying negative rent. Copies of the tax cert and XXX were not provided. - Due Diligence Vendor-XXX |  | Resolved-Received taxes and insurance - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX.<br> Qualifying DTI below maximum allowed - Qualifying DTI XXX%; max permitted XXX%. |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120610 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 XXX Letter Missing | Resolved-XXX information provided. - Due Diligence Vendor-XXX<br> Open-Borrower 1 XXX Letter Missing XXX not provided. - Due Diligence Vendor-XXX |  | Resolved-XXX license information provided. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX.<br> Qualifying DTI below maximum allowed - Qualifying DTI XXX%; max permitted XXX%. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120613 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Resolved-XXX provided for both borrowers. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX report for the co-borrower<br> - Buyer-XXX<br> Counter-XXX for B1 provided, please provide the XXX for B2. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX Report - Buyer-XXX<br> Open-Borrower 1 XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). - Due Diligence Vendor-XXX |  | Resolved-XXX provided for both borrowers. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  | XXX.pdf<br> XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120613 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received correct XXX. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. XXX - Buyer-XXX<br> Open-Hazard Insurance Effective Date of XXX is after the Note Date of XXX- Due Diligence Vendor-XXX |  | Resolved-Received correct XXX. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  | XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120613 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration | Resolved-Received Revised 1003 and XXX from the borrower. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. 1) Updated final 1003 with declarations question XXX answered No for both borrowers<br> 2) Borrower XXX confirming they did not co-sign for any debts and that question was answered yes in error - Buyer-XXX<br> Open-CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration. Question XXX on Declarations answered yes. However, no documentation provided for this. Additional conditions may apply. - Due Diligence Vendor-XXX |  | Resolved-Received Revised 1003 and LOE from the borrower. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  | XXX.pdf<br> XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120594 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025120581 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (XXX) | Resolved-Received Approval. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. 1008 - Buyer-XXX<br> Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-XXX |  | Resolved-Received Approval. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX<br> Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120580 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025120587 | XXX | D B A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 XXX Credit Report is Missing | Resolved-Received XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Seller-XXX<br> Open-Borrower 1 XXX Credit Report is Missing Missing XXX credit. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Supporting Document - Seller-XXX | Resolved-Received XXX. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.<br> Qualifying DTI below maximum allowed - XXX Qualifying DTI XXX%; max permitted XXX%. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120587 | XXX | D B A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received XXX XXX. Finding resolved. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Seller-XXX<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).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.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). ----- XXX (XXX%) tolerance fees increased by XXX (Points - Loan Discount Fee) without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations XXX years. Expiration date XXX<br> - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Supporting Document - Seller-XXX | Resolved-Received XXX XXX. Finding resolved. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.<br> Qualifying DTI below maximum allowed - XXX Qualifying DTI XXX%; max permitted XXX%. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120587 | XXX | D B A C | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX<br> Open-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-XXX |  | Waived-Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.<br> Qualifying DTI below maximum allowed - XXX Qualifying DTI XXX%; max permitted XXX%. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025120591 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025120627 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Approval/Underwriting Summary Not Provided_XXX | Resolved-1008 provided. - Due Diligence Vendor-XXX<br> Counter-DSCR calculation provided. 1008 provided has a DTI ratio, please provide a corrected 1008 without a DTI ratio. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Counter-Received 1008 reflecting ratios-please provide correct DSCR 1008. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Approval/Underwriting Summary Not Provided. Missing 1008 - Due Diligence Vendor-XXX |  | Resolved-1008 provided. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score XXX; guideline minimum is XXX.<br> Months Reserves exceed minimum required - The Borrower has reserves in the amount of XXX; guideline minimum is XXX months. |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120622 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-The DSCR Calculation from lender is Missing. DSCR calculation is required - Due Diligence Vendor-XXX |  | Resolved-Received DSCR Calculation - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months reserves documented, XXX months required<br> Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120601 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Received final inspection, 1004d - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX<br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (XXX) is not Present - Due Diligence Vendor-XXX |  | Resolved-Received final inspection, XXX - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120617 | XXX | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Payment Letter | Resolved-Received XXX payment letter - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX PAY LETTER - Buyer-XXX<br> Open-Missing XXX payment letter. - Due Diligence Vendor-XXX |  | Resolved-Received XXX payment letter - Due Diligence Vendor-XXX | Qualifying DTI below maximum allowed - Qualifying Total Debt XXX%% is lower than XXX% max allowed <br> Months Reserves exceed minimum required - Qualifying Total Reserves XXX months are higher than XXX months required |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120617 | XXX | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Insurance | XXX Effective Date is After the Note Date | Resolved-Received XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX SHOWS EFFECTIVE XXX - Buyer-XXX<br> Open-XXX Effective Date of XXX is After the Transaction Date of XXX - Due Diligence Vendor-XXX |  | Resolved-Received XXX. - Due Diligence Vendor-XXX | Qualifying DTI below maximum allowed - Qualifying Total Debt XXX%% is lower than XXX% max allowed <br> Months Reserves exceed minimum required - Qualifying Total Reserves XXX months are higher than XXX months required |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120617 | XXX | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. LEGAL DESCRIPTION - Buyer-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----- Missing Legal Description - Due Diligence Vendor-XXX |  | Resolved-Received Legal. - Due Diligence Vendor-XXX | Qualifying DTI below maximum allowed - Qualifying Total Debt XXX%% is lower than XXX% max allowed <br> Months Reserves exceed minimum required - Qualifying Total Reserves XXX months are higher than XXX months required |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120617 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-XXX |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-XXX | Qualifying DTI below maximum allowed - Qualifying Total Debt XXX%% is lower than XXX% max allowed <br> Months Reserves exceed minimum required - Qualifying Total Reserves XXX months are higher than XXX months required |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025120599 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information A | Credit | Assets | Asset XXX Does Not Meet Guideline Requirements | Resolved-Client provided updated income worksheet excluding the use of account number XXX and provided account XXX within XXX days of closing to document income . - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Attached corrected income calculation worksheet, 1003 and 1008 not including account XXX in income. Please clear condiition. - Buyer-XXX<br> Counter-Received duplicate documentation-income calculation worksheet provided reflects both accounts considered-missing XXX day balance for XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Acct balance for acct ending XXX is less than XXX day from Note = XXX and only account needed to qualify - Buyer-XXX<br> Open-Asset Record XXX Does Not Meet G/L Requirements Account was not verified within XXX days of Note date. Guide: the most recent XXX months of account statements for all Qualified Assets are required. Balances of qualifying assets must be verified within XXX days of Note Date.<br> - Due Diligence Vendor-XXX |  | Resolved-Client provided updated income worksheet excluding the use of account number XXX and provided account XXX within XXX days of closing to document income . - Due Diligence Vendor-XXX | Qualifying DTI below maximum allowed - Max XXX%, actual XXX%<br> On time mortgage history exceeds guideline requirement - Min XXX XXX, actual XXX months reviewed XXX<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX<br> Months Reserves exceed minimum required - Min XXX, actual XXX |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120599 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received attestation of no affilates, finding resolved. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX - no affiliates - Buyer-XXX<br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. <br> - Due Diligence Vendor-XXX |  | Resolved-Received attestation of no affilates, finding resolved. - Due Diligence Vendor-XXX | Qualifying DTI below maximum allowed - Max XXX%, actual XXX%<br> On time mortgage history exceeds guideline requirement - Min XXX XXX, actual XXX months reviewed XXX<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX<br> Months Reserves exceed minimum required - Min XXX, actual XXX |  | XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120599 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Compliance | Disclosure | XXX Not Provided Within XXX Days of Application Date | Waived-The XXX was not provided within XXX days of the Application Date (Number of Days Difference is 'XXX'). Client waiver applied to non-material findings. [XXX provided within XXX business days of application, excluding weekend] - Due Diligence Vendor-XXX |  | Waived-The XXX was not provided within XXX days of the Application Date (Number of Days Difference is 'XXX'). Client waiver applied to non-material findings. [XXX provided within XXX business days of application, excluding weekend] - Due Diligence Vendor-XXX | Qualifying DTI below maximum allowed - Max XXX%, actual XXX%<br> On time mortgage history exceeds guideline requirement - Min XXX XXX, actual XXX months reviewed XXX<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX<br> Months Reserves exceed minimum required - Min XXX, actual XXX |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025120577 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-The Business Purpose Affidavit Disclosure is Missing Missing Business Purpose Affidavit for DSCR qualified loan. Although Occupancy Affidavit/Statement was provided, this does not meet XXX criteria. - Due Diligence Vendor-XXX |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Reserves: XXX Min XXX<br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120629 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-After further review, the final 1003 includes the completed XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Final 1003 reflects XXX.<br> - Buyer-XXX <br> Open-Loan application is incomplete for Section XXX XXX Owned, in that borrower provided a lease for property and was not disclosed on the loan application, including identifying any lien holders or property expenses. Other findings may apply. - Due Diligence Vendor-XXX |  | Resolved-After further review, the final 1003 includes the completed XXX. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV: XXX Max XXX<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX<br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120626 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025120603 | XXX | D B C A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 XXX Letter Missing | Waived-Client provided a waiver PTIN preparer only applied to non material finding with reviewed comp factors There will be an Exception XXX hit of .XXX that will apply for this specific exception. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. 1) Exception Request<br> 2) acceptable - Buyer-XXX<br> Counter-Received PTIN license validation-Must meet guidelines XXX-PTIN preparers that work for a XXX party firm may be permitted by exception only - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. cert - Buyer-XXX<br> Open-Borrower 1 CPA Letter Missing XXX not provided - Due Diligence Vendor-XXX |  | Waived-Client provided a waiver PTIN preparer only applied to non material finding with reviewed comp factors There will be an Exception XXX hit of .XXX that will apply for this specific exception. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.<br> Qualifying DTI below maximum allowed - Qualifying DTI XXX%; max permitted XXX%. | Credit Score = XXX<br> DTI = XXX%<br> Reserves = XXX Months<br> Credit History: XXX Derogatory<br> LTV = XXX% | XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025120603 | XXX | D B C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-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).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.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). -----XXX (XXX%) tolerance fees increased by $XXX (Credit Report Fee). Final CD includes $XXX credit for increase in closing cost above legal limit. Finding Resolved. - Due Diligence Vendor-XXX<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).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.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). -----XXX (XXX%) tolerance fees increased by $XXX (Credit Report Fee). Final CD includes $XXX credit for increase in closing cost above legal limit. Finding Resolved. - Due Diligence Vendor-XXX |  | Resolved-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 $XXX.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). -----XXX (XXX%) tolerance fees increased by $XXX (Credit Report Fee). Final CD includes $XXX credit for increase in closing cost above legal limit. Finding Resolved. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.<br> Qualifying DTI below maximum allowed - Qualifying DTI XXX%; max permitted XXX%. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120609 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. Business Purpose Affidavit<br> - Buyer-XXX<br> Open-The Business Purpose Affidavit Disclosure is Missing Missing from loan file<br> - Due Diligence Vendor-XXX |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX<br> LTV is less than guideline maximum - Max XXX%, actual XXX%<br> Months Reserves exceed minimum required - Min XXX, actual XXX<br> DSCR % greater than XXX - XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120630 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax verification. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-XXX<br> Open-Missing Evidence of Property Tax - Due Diligence Vendor-XXX |  | Resolved-Received tax verification. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120630 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Subject property is listed for sale | Resolved-Received attestation and internet print out, subject not for sale. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. per XXX not listed for sale.<br> - Buyer-XXX<br> Open-UW to confirm there is no evidence the home is listed for sale - Due Diligence Vendor-XXX<br> Rescinded-XXX to confirm there is no evidence the home is listed for sale. - Due Diligence Vendor-XXX |  | Resolved-Received attestation and internet print out, subject not for sale. - Due Diligence Vendor-XXX<br> Rescinded-UW to confirm there is no evidence the home is listed for sale. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120630 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Payment Letter | Resolved-Rule False - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-XXX<br> Open-Missing XXX payment letter. - Due Diligence Vendor-XXX |  | Resolved-Rule False - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120572 |  | XXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025120632 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Tax calculation provided. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Docs Uploaded - Seller-XXX<br> Counter-Received a median tax estimate-please provide subject property tax cert. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-XXX<br> Open-Missing Evidence of Property Tax - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Supporting Docs Uploaded - Seller-XXX | Resolved-Tax calculation provided. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120632 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calculation. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-XXX<br> Open-The DSCR Calculation from lender is Missing. - Due Diligence Vendor-XXX |  | Resolved-Received DSCR calculation. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120632 | XXX | D A | Closed | XXX | XXX | XXX | 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-XXX<br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal attached to Deed of Trust - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-XXX | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120631 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Tax calculation provided. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Docs Uploaded - Buyer-XXX<br> Counter-Received median tax estimate-please provide subject property tax cert. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. Page XXX- XXX used<br> - Buyer-XXX<br> Open-Missing Evidence of Property Tax - Due Diligence Vendor-XXX |  | Resolved-Tax calculation provided. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120604 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Received complete credit report. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Please see credit report - Buyer-XXX<br> Open-Borrower 1 Credit Report is Partially Present. Page XXX of the credit report dated XXX is missing from the loan file - Due Diligence Vendor-XXX |  | Resolved-Received complete credit report. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - Max XXX%, actual XXX%<br> Months Reserves exceed minimum required - Min XXX, actual XXX<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120625 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Mortgage provided with witness signature. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. Mortgage with witness signature completed. - Buyer-XXX<br> Open-Missing required witness signature on Security Instrument as follows: XXX requires one witness, but the notary cannot be the witness. - Due Diligence Vendor-XXX |  | Resolved-Mortgage provided with witness signature. - Due Diligence Vendor-XXX | DSCR % greater than XXX - DSCR: XXX Min XXX<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX <br> LTV is less than guideline maximum - LTV: XXX Max XXX<br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120625 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calculation. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-The DSCR Calculation from lender is Missing. Missing lender's DSCR Calculation Worksheet or 1008 showing calculation. - Due Diligence Vendor-XXX |  | Resolved-Received DSCR calculation. - Due Diligence Vendor-XXX | DSCR % greater than XXX - DSCR: XXX Min XXX<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX <br> LTV is less than guideline maximum - LTV: XXX Max XXX<br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120582 |  | XXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025120608 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025120597 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025120615 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Resolved-Received UW Cert, borrower uses SSN for taxes.<br> - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document<br> - Due Diligence Vendor-XXX<br> Open-File is missing EIN # - Due Diligence Vendor-XXX |  | Resolved-Received UW Cert, borrower uses SSN for taxes.<br> - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required<br> Months Reserves exceed minimum required - XXX months reserves documented, XXX months required |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120615 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Note signed as a member of the LLC. XXX guaranty is required - Due Diligence Vendor-XXX |  | Resolved-Received Guaranty Agreement - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required<br> Months Reserves exceed minimum required - XXX months reserves documented, XXX months required |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120615 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose and Occupancy Affidavit. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-XXX |  | Resolved-Received Business Purpose and Occupancy Affidavit. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required<br> Months Reserves exceed minimum required - XXX months reserves documented, XXX months required |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120615 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Prepayment Penalty is not allowed. XXX; If Held in an entity such as LLC, XXX or Trust initial and final grade of XXX, waiver applied.<br>Per XXX law, a XXX can only be applied to loans closing in a XXX or XXX specifically. An LLC or XXX cannot be assessed a PPP. - Due Diligence Vendor-XXX |  | Waived-Prepayment Penalty is not allowed. XXX XXX; If Held in an XXX such as XXX, XXX or XXX and final grade of B, waiver applied.<br>Per XXX law, a XXX can only be applied to loans closing in a XXX or XXX specifically. An XXX or individual cannot be assessed a XXX. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required<br> Months Reserves exceed minimum required - XXX months reserves documented, XXX months required |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025120558 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received final settlement statement. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Closing Detail Statement Document is Missing and subject property is an XXX. Final version is missing borrower signature. - Due Diligence Vendor-XXX |  | Resolved-Received final settlement statement. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - The Borrower FICO score is XXX; guideline minimum is XXX. <br> Months Reserves exceed minimum required - The Borrower has XXX months in reserves; guideline requirement is XXX months. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120576 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Subject property is listed for sale | Resolved-Received documentation to support the listing was removed more than XXX month of the application date. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Evidence property not listed for sale attached. - Buyer-XXX<br> Open-UW to confirm there is no evidence the home is listed for sale. Per the desk review listing was withdrawn on XXX however online search does not indicate it was ever removed from XXX and as of XXX the subject is contingent under contract. - Due Diligence Vendor-XXX |  | Resolved-Received documentation to support the listing was removed more than XXX month of the application date. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - The Borrower FICO score is XXX; guideline minimum is XXX. <br> Months Reserves exceed minimum required - The Borrower has XXX months in reserves; guideline requirement is XXX months. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120576 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | XXX is Partial | Resolved-Received Final Settlement - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX with invoice that matches XXX / XXX is Partial - Please see attached XXX with matching amount to pay insurance balance<br>- Buyer-XXX<br> Open-XXX (Or XXX if Subject Property is a XXX) is only Partially Provided Missing calculation for lender's premium amount and for what appears on the settlement statement which is lower than what audit found. - Due Diligence Vendor-XXX |  | Resolved-Received Final Settlement - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - The Borrower FICO score is XXX; guideline minimum is XXX. <br> Months Reserves exceed minimum required - The Borrower has XXX months in reserves; guideline requirement is XXX months. |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120574 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 XXX Credit Report is Missing | Resolved-Received XXX credit report. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX report - Buyer-XXX<br> Open-Borrower 1 XXX Credit Report is Missing Missing XXX Credit Report. - Due Diligence Vendor-XXX |  | Resolved-Received XXX credit report. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - The Borrower FICO score is XXX; guideline minimum is XXX. <br> Months Reserves exceed minimum required - The Borrower has XXX months in reserves; guideline requirement is XXX months. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120566 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-The DSCR Calculation from lender is Missing. Missing lender's DSCR Calculation Worksheet or 1008 showing calculation. - Due Diligence Vendor-XXX |  | Resolved-Received DSCR Calculation - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Reserves: XXX Min XXX <br> LTV is less than guideline maximum - LTV: XXX% Max XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> DSCR % greater than XXX - DSCR: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120566 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Title | Satisfactory XXX not Provided | Resolved-Received Satisfactory XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Unsatisfactory XXX provided. Missing required XXX Month XXX - Due Diligence Vendor-XXX |  | Resolved-Received Satisfactory XXX - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Reserves: XXX Min XXX <br> LTV is less than guideline maximum - LTV: XXX% Max XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> DSCR % greater than XXX - DSCR: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120607 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025120624 | XXX | C A | Closed | XXX | XXX | XXX | 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-XXX<br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Exhibit A is missing<br> - Due Diligence Vendor-XXX |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX | Long term residence - Borrower has been at current primary XXX+ years. <br> Months Reserves exceed minimum required - The Borrower has XXX months in reserves; guideline minimum is XXX months. |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120555 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025120620 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | State Specific business purpose loan signed as individual | Resolved-After further review, this loan does not have a prepay. - Due Diligence Vendor-XXX<br> Open-XXX in XXX or XXX as XXX signed as XXX is not allowed. - Due Diligence Vendor-XXX |  | Resolved-After further review, this loan does not have a prepay. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX<br> Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120592 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025120621 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025120606 | XXX | D B C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title coverage is not sufficient - Due Diligence Vendor-XXX |  | Resolved-Received updated XXX reflecting sufficient coverage. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required<br> Months Reserves exceed minimum required - XXX months reserves documented, XXX months required |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120606 | XXX | D B C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-XXX not provided per lending guides. - Due Diligence Vendor-XXX |  | Resolved-Received secondary valuation. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required<br> Months Reserves exceed minimum required - XXX months reserves documented, XXX months required |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120606 | XXX | D B C A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-XXX<br> Open-Prepayment Penalty is not allowed. A XXX cannot be applied to an XXX or XXX in XXX, only on a XXX. - Due Diligence Vendor-XXX |  | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required<br> Months Reserves exceed minimum required - XXX months reserves documented, XXX months required |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025120602 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 XXX Credit Report is Missing | Resolved-Received XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX report attached - Buyer-XXX<br> Open-Borrower 1 XXX Credit Report is Missing Missing XXX Credit report. - Due Diligence Vendor-XXX |  | Resolved-Received XXX. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - The Borrower has XXX months in reserves; AUS requires XXX months.<br> Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO Score is XXX; guideline minimum is XXX. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120588 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025120598 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure list of XXX agencies. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Housing Counselors list - Buyer-XXX<br> Counter-Received XXX 1003 forms. Still missing List of XXX Counselors/Homeownership Counseling Disclosure, please provide. Finding countered. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-XXX<br> Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-XXX |  | Resolved-Received Homeownership Counseling Disclosure list of XXX agencies. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX. |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120598 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Bank Statement Worksheet. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-XXX<br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Bank Statement income Calc is missing. - Due Diligence Vendor-XXX |  | Resolved-Received Bank Statement Worksheet. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120554 | XXX | XXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025120589 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025120593 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Received corrected Operating Agreement. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Counter-Received Operating Agreement date XXX-executed by borrower and another-reflecting ownership of XXX entity belonging to other XXX-borrower has no interest in XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-XXX<br> Open-XXX whose members include other XXX, XXX, XXX, or Trusts are ineligible borrowers. The borrower entity name is XXX, and the member of this entity is XXX. - Due Diligence Vendor-XXX |  | Resolved-Received corrected Operating Agreement. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Reserves: XXX Min XXX <br> LTV is less than guideline maximum - LTV: XXX Max XXX<br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> DSCR % greater than XXX - DSCR: XXX Min XXX |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120563 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025120605 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client waiver applied to non-material finding with compensating factors - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Exception request and approval for XXX with loan amount below $XXX - Buyer-XXX<br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $XXX - Due Diligence Vendor-XXX |  | Waived-Client waiver applied to non-material finding with compensating factors - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum is XXX.<br> Months Reserves exceed minimum required - The Borrower has XXX months in reserves; guideline minimum is XXX months. | XXX<br> XXX fico<br> XXX months of reserves. | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025120605 | XXX | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-After further review, XXX are allowed per guidelines. - Due Diligence Vendor-XXX<br> Open-The Subject Property is a XXX. - Due Diligence Vendor-XXX |  | Resolved-After further review, XXX are allowed per guidelines. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum is XXX.<br> Months Reserves exceed minimum required - The Borrower has XXX months in reserves; guideline minimum is XXX months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120584 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Receive clear Notary page reflecting all signatures including witnesses. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Signature page is attached. It is signed by the borrower and the notary as well as the witness' and the XXX. Not sure if something was overlooked. If not, please expand on what is required. - Buyer-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing required statutory signature pages that meets XXX state requirements. - Due Diligence Vendor-XXX |  | Resolved-Receive clear Notary page reflecting all signatures including witnesses. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120584 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calculation. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-The DSCR Calculation from lender is Missing. Missing lender's DSCR Calculation Worksheet or 1008 showing calculation. - Due Diligence Vendor-XXX |  | Resolved-Received DSCR calculation. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120596 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025120562 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. DSCR Worksheet uploaded - Buyer-XXX<br> Open-The DSCR Calculation from lender is Missing. Missing DSCR calculation with components listed - Due Diligence Vendor-XXX |  | Resolved-Received DSCR Calculation - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required<br> Months Reserves exceed minimum required - XXX months reserves documented, XXX months required |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120562 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Approval/Underwriting Summary Not Provided_XXX | Resolved-Received 1008 - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. 1008 Uploaded - Seller-XXX<br> Open-Approval/Underwriting Summary Not Provided. Missing 1008 - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. 1008 Uploaded - Seller-XXX | Resolved-Received 1008 - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required<br> Months Reserves exceed minimum required - XXX months reserves documented, XXX months required |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120562 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Business Entity Documentation - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. DSCR Worksheet - Seller-XXX<br> Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Missing XXX and Operating Agreement. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. DSCR Worksheet - Seller-XXX | Resolved-Received Business Entity Documentation - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required<br> Months Reserves exceed minimum required - XXX months reserves documented, XXX months required |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120562 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc | XXX or Additional Valuation has not been entered per securitization requirements | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. CDA Uploaded - Buyer-XXX<br> Open-Missing XXX (CU and LCA reports are not valid on a XXX) - Due Diligence Vendor-XXX |  | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required<br> Months Reserves exceed minimum required - XXX months reserves documented, XXX months required |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120575 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Resolved-Received XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. #XXX (Credit Condition): Please see attached XXX report pulled on XXX, XXX days prior to closing.

#XXX (XXX Document Condition): Please see attached copy of the Note for new financing on XXX (This is for the condition from the XXX you sent regarding this loan) - Buyer-XXX<br> Open-Borrower 1 XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). Over XXX days old, XXX Page XXX, XXX, XXX, XXX - Due Diligence Vendor-XXX |  | Resolved-Received XXX. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - The Borrower has reserves in the amount of XXX months; guideline minimum is XXX months.<br> Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum is XXX. |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120552 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025120564 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client waiver applied to non-material finding with compensating factors- Borrower has been traveling the world and last mortgage showing on her credit report was XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Housing History Does Not Meet Guideline Requirements Missing verification of rent payments for XXX through XXX of XXX. - Due Diligence Vendor-XXX |  | Waived-Client waiver applied to non-material finding with compensating factors- Borrower has been traveling the world and last mortgage showing on her credit report was XXX. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required<br> Months Reserves exceed minimum required - XXX months reserves documented, XXX months required | FICO is XXX points above the min allowed<br> residual income is $XXX monthly<br> XXX months of reserves post closing<br> DTI is XXX%<br>| XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025120634 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-After further review, an inspection report was provided confirming the XXX and XXX has been remedied. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Rebuttal - Buyer-XXX<br> Open-Property Issues are identified for the property Missing pictures of repairs in XXX. Inspection report given; however, no proof interior was fixed. Outside picture to support boards were removed. pg. XXX, XXX - Due Diligence Vendor-XXX |  | Resolved-After further review, an inspection report was provided confirming the XXX and XXX damage has been remedied. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX<br> LTV is less than guideline maximum - Max XXX%, actual XXX%<br> Months Reserves exceed minimum required - Min XXX, actual XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120550 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025120570 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025120623 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | XXX Document is Missing | Resolved-The XXX Document was provided. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX - Buyer-XXX<br> Counter-Received closing documentation-finding remains. XXX Document is Missing. Missing XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Final CD's in Closing Package. - Buyer-XXX<br> Open-Subject Property is part of an XXX but the XXX Document is Missing. Missing XXX - Due Diligence Vendor-XXX |  | Resolved-The HOA Questionnaire Document was provided. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120623 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received complete final CD reflecting mtg paid in full. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Final CD's in Closing Package. - Buyer-XXX<br> Open-Closing Detail Statement Document is Missing and subject property is an XXX. Missing complete final Closing Disclosure, all pages Document in pdf is missing pages XXX and XXX of XXX pages, which includes payoff(s). Other findings may apply. - Due Diligence Vendor-XXX |  | Resolved-Received complete final CD reflecting mtg paid in full. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120619 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025120583 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | XXX project is ineligible | Waived-Client waiver applied to non-material finding with compensating factors for FICO score, reserves, and mortgage history. - Due Diligence Vendor-XXX<br> Open-Per guides, for XXX if delinquent XXX is more than XXX%, the property is ineligible. Lender exception in file for XXX Delinquency greater than XXX% but less than XXX%. - Due Diligence Vendor-XXX |  | Waived-Client waiver applied to non-material finding with compensating factors for FICO score, reserves, and mortgage history. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying FICO XXX is higher than XXX minimum required <br> Months Reserves exceed minimum required - Qualifying Total Reserves XXX months are higher than XXX months required | XXX Credit Score<br> XXX months Reserves<br> XXX months Mortgage history |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025120583 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | XXX does not meet requirements | Waived-Client waiver applied to non-material finding with compensating factors for FICO score, reserves, and mortgage history. - Due Diligence Vendor-XXX<br> Open-Per guides, a XXX must not exceed XXX% XXX. Lender exception in file for XXX exceeding XXX%. - Due Diligence Vendor-XXX |  | Waived-Client waiver applied to non-material finding with compensating factors for FICO score, reserves, and mortgage history. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying FICO XXX is higher than XXX minimum required <br> Months Reserves exceed minimum required - Qualifying Total Reserves XXX months are higher than XXX months required | XXX Credit Score<br> XXX months Reserves<br> XXX months Mortgage history |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025120583 | XXX | C B A | Closed | XXX | XXX | XXX | 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-XXX<br> Ready for Review-Document Uploaded. DOT legal - Buyer-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. missing legal - Due Diligence Vendor-XXX |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying FICO XXX is higher than XXX minimum required <br> Months Reserves exceed minimum required - Qualifying Total Reserves XXX months are higher than XXX months required |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120583 | XXX | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received XXX month chain of title. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. See very last page property description page has XXX listed XXX - Buyer-XXX<br> Open-Unsatisfactory XXX provided. Missing XXX month chain of title - XXX requirement - Due Diligence Vendor-XXX |  | Resolved-Received XXX month chain of title. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying FICO XXX is higher than XXX minimum required <br> Months Reserves exceed minimum required - Qualifying Total Reserves XXX months are higher than XXX months required |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120578 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Missing supplement showing higher loan amount - Due Diligence Vendor-XXX |  | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-XXX | DSCR % greater than XXX - XXX<br> Qualifying FICO score is at least 20 points above minimum for program - Min XXX, actual XXX<br> LTV is less than guideline maximum - Max XXX%, actual XXX% |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120595 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client waiver applied to non-material finding with compensating factors. Exception to accept XXX months paid in cash. VOR provided. - Due Diligence Vendor-XXX<br> Open-Housing History Does Not Meet Guideline Requirements Exception for missing XXX months of housing history. XXX required, borrower currently renting. Borrower provided proof of XXX months rental payments and stated paid cash for XXX. XXX payment verified through bank account. XXX completed and in file. Email exception approval in loan file - Due Diligence Vendor-XXX |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception to accept XXX months paid in cash. XXX provided. - Due Diligence Vendor-XXX | DSCR =/> XXX and minimum is XXX or Less - XXX<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX | Credit score XXX<br> DSCR XXX<br> Reserves XXX cash back<br> Credit history good |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025120595 | XXX | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX WAS signed by both parties, just separately. Recorded XXX is attached - Buyer-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Non-borrowing spouse did not sign the Mortgage - Due Diligence Vendor-XXX |  | Resolved-Received complete security instrument. - Due Diligence Vendor-XXX | DSCR =/> XXX and minimum is XXX or Less - XXX<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120595 | XXX | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Title | Satisfactory XXX not Provided | Resolved-Received XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. please clarify. Preliminary title apper to be ok? - Buyer-XXX<br> Open-Unsatisfactory XXX provided. Chain of title not reflected on policy - Due Diligence Vendor-XXX |  | Resolved-Received XXX. - Due Diligence Vendor-XXX | DSCR =/> XXX and minimum is XXX or Less - XXX<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120573 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025120612 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calculation. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. DSCR worksheet uploaded for review - Buyer-XXX<br> Open-The DSCR Calculation from lender is Missing. DSCR Calculation Missing - Due Diligence Vendor-XXX |  | Resolved-Received DSCR calculation. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV, program allows XXX%. <br> Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120561 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | XXX Not Checked with Exclusionary Lists | Resolved-Received complete fraud report. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Fraud report - Buyer-XXX<br> Open-XXX Not Checked with Exclusionary Lists Missing Fraud Report - Due Diligence Vendor-XXX |  | Resolved-Received complete fraud report. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum is XXX.<br> Months Reserves exceed minimum required - The Borrower has XXX months in reserves; XXX months required. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120561 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | XXX Check Not Completed and/or Cleared | Resolved-Received complete fraud report. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Fraud report - Buyer-XXX<br> Open-XXX Check Not Completed and/or Cleared Missing Fraud Report; XXX indicates clear on the credit report on page XXX. - Due Diligence Vendor-XXX |  | Resolved-Received complete fraud report. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum is XXX.<br> Months Reserves exceed minimum required - The Borrower has XXX months in reserves; XXX months required. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120561 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received complete fraud report. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Fraud report - Buyer-XXX<br> Open-Missing Third Party Fraud Report Missing Fraud Report - Due Diligence Vendor-XXX |  | Resolved-Received complete fraud report. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum is XXX.<br> Months Reserves exceed minimum required - The Borrower has XXX months in reserves; XXX months required. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120568 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025120600 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025120611 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Approval/Underwriting Summary Not Provided_XXX | Resolved-Received 1008 - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Approval/Underwriting Summary Not Provided. Missing 1008. - Due Diligence Vendor-XXX |  | Resolved-Received 1008 - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum is XXX.<br> Months Reserves exceed minimum required - The Borrower has XXX months in reserves; guideline minimum is XXX months. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120611 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Statements. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Housing History Does Not Meet Guideline Requirements Missing evidence the primary residence mortgage is paid current through closing. - Due Diligence Vendor-XXX |  | Resolved-Received Statements. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum is XXX.<br> Months Reserves exceed minimum required - The Borrower has XXX months in reserves; guideline minimum is XXX months. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120571 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received XXX XXX and XXX XXX- Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-XXX<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).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.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). XXX (XXX%) tolerance fees increased by $XXX (Investor Review Fee). There is a XXX in file dated XXX however, there are no XXX in file that correspond with that change date. Provide missing XXX OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations XXX year- Expiration date is XXX.<br> - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-XXX | Resolved-Received XXX XXX and XXX XXX - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.<br> Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX |  | XXX.pdf | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120571 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than XXX% Test | Resolved-Received XXX XXX and XXX XXX - Due Diligence Vendor-XXX<br> Open-This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). XXX (XXX%) tolerance fees (recording fee) increased by $XXX without a valid XXX in file. Final Cd provided A $XXX Credit for increase in closing costs above the legal limit. - Due Diligence Vendor-XXX |  | Resolved-Received XXX XXX and XXX XXX - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.<br> Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025120565 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025120557 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Appraisal is Expired | Resolved-Received recert of value. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Recertification of value - Buyer-XXX<br> Open-Primary Value Appraisal is Expired Appraisal effective date XXX. - Due Diligence Vendor-XXX |  | Resolved-Received recert of value. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025120553 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025120567 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025120569 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 XXX Credit Report is Missing | Resolved-Received XXX Report. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Borrower 1 XXX Credit Report is Missing XXX reflects monitoring not started. - Due Diligence Vendor-XXX |  | Resolved-Received Gap Report. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO = XXX Min FICO = XXX<br> Months Reserves exceed minimum required - Reserves = XXX months – Required Reserves = XXX Months |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |

---

## Exhibit 99.14

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.14**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2025120618 | XXX |  | XXX D A |
| 2025120585 | XXX | XXX | XXX D A B |
| 2025120586 | XXX | XXX | XXX D A B |
| 2025120635 | XXX |  | XXX C A |
| 2025120636 | XXX |  | XXX C A |
| 2025120633 | XXX |  | XXX C A B |
| 2025120616 | XXX |  | XXX D A |
| 2025120590 | XXX |  | XXX C A B |
| 2025120614 | XXX |  | XXX D A B |
| 2025120628 | XXX |  | XXX C A B |
| 2025120610 | XXX |  | XXX D A |
| 2025120613 | XXX |  | XXX C A |
| 2025120594 | XXX |  | XXX A |
| 2025120581 | XXX |  | XXX D A |
| 2025120580 | XXX |  | XXX A |
| 2025120587 | XXX |  | XXX D C A B |
| 2025120591 | XXX |  | XXX A |
| 2025120627 | XXX |  | XXX C A |
| 2025120622 | XXX |  | XXX D A |
| 2025120601 | XXX |  | XXX A C |
| 2025120617 | XXX |  | XXX C B A |
| 2025120599 | XXX |  | XXX A D B |
| 2025120577 | XXX |  | XXX D A |
| 2025120629 | XXX |  | XXX C A |
| 2025120626 | XXX |  | XXX A |
| 2025120603 | XXX |  | XXX D C A B |
| 2025120609 | XXX |  | XXX D A |
| 2025120630 | XXX |  | XXX D A |
| 2025120572 |  | XXX | XXX A |
| 2025120632 | XXX |  | XXX D A |
| 2025120631 | XXX |  | XXX D A |
| 2025120604 | XXX |  | XXX C A |
| 2025120625 | XXX |  | XXX D A |
| 2025120582 |  | XXX | XXX A |
| 2025120608 | XXX |  | XXX A |
| 2025120597 | XXX |  | XXX A |
| 2025120615 | XXX |  | XXX D A B |
| 2025120558 | XXX |  | XXX D A |
| 2025120576 | XXX |  | XXX D A |
| 2025120574 | XXX |  | XXX D A |
| 2025120566 | XXX |  | XXX D A |
| 2025120607 | XXX |  | XXX A |
| 2025120624 | XXX |  | XXX C A |
| 2025120555 | XXX |  | XXX A |
| 2025120620 | XXX |  | XXX C A |
| 2025120592 | XXX |  | XXX A |
| 2025120621 | XXX |  | XXX A |
| 2025120606 | XXX |  | XXX C A D B |
| 2025120602 | XXX |  | XXX D A |
| 2025120588 | XXX |  | XXX A |
| 2025120598 | XXX |  | XXX D A |
| 2025120554 | XXX | XXX | XXX A |
| 2025120589 | XXX |  | XXX A |
| 2025120593 | XXX |  | XXX C A |
| 2025120563 | XXX |  | XXX A |
| 2025120605 | XXX |  | XXX C A B |
| 2025120584 | XXX |  | XXX D A |
| 2025120596 | XXX |  | XXX A |
| 2025120562 | XXX |  | XXX D A |
| 2025120575 | XXX |  | XXX C A |
| 2025120552 | XXX |  | XXX A |
| 2025120564 | XXX |  | XXX C A B |
| 2025120634 | XXX |  | XXX C A |
| 2025120550 | XXX |  | XXX A |
| 2025120570 | XXX |  | XXX A |
| 2025120623 | XXX |  | XXX D A |
| 2025120619 | XXX |  | XXX A |
| 2025120583 | XXX |  | XXX C A B |
| 2025120578 | XXX |  | XXX C A |
| 2025120595 | XXX |  | XXX C A B |
| 2025120573 | XXX |  | XXX A |
| 2025120612 | XXX |  | XXX D A |
| 2025120561 | XXX |  | XXX D A |
| 2025120568 | XXX |  | XXX A |
| 2025120600 | XXX |  | XXX A |
| 2025120611 | XXX |  | XXX C A |
| 2025120571 | XXX |  | XXX A C |
| 2025120565 | XXX |  | XXX A |
| 2025120557 | XXX |  | XXX D A |
| 2025120553 | XXX |  | XXX A |
| 2025120567 | XXX |  | XXX A |
| 2025120569 | XXX |  | XXX D A |

---

## Exhibit 99.15

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.15**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2025120618 | XXX |  | XXX | Property Address | notePage | XXX | XXX | Per Note |
| 2025120618 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit within XXX% of the 1008 |
| 2025120585 | XXX | XXX | XXX | Loan Type | the1003Page | XXX | XXX | Per 1008 |
| 2025120585 | XXX | XXX | XXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXX | XXX | per 1003 |
| 2025120586 | XXX | XXX | XXX | Loan Type | the1003Page | XXX | XXX | Per 1008. |
| 2025120586 | XXX | XXX | XXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXX | XXX | Per Final 1003. |
| 2025120635 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Per appraisal |
| 2025120636 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Per appraisal |
| 2025120633 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | per appraisal report |
| 2025120616 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | per appraisal report |
| 2025120590 | XXX |  | XXX | Property City | notePage | XXX | XXX | per note |
| 2025120590 | XXX |  | XXX | ARM Initial Fixed Rate Period | notePage | XXX | XXX | per note |
| 2025120590 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Per audit, used higher PITIA |
| 2025120614 | XXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Per 1008 |
| 2025120610 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Per appraisal |
| 2025120581 | XXX |  | XXX | Interest Only Flag | notePage | XXX | XXX | per note |
| 2025120627 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Per appraisal |
| 2025120622 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | per appraisal report |
| 2025120601 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit DSCR matches the 1008 |
| 2025120617 | XXX |  | XXX | Interest Rate | notePage | XXX | XXX | per note |
| 2025120629 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | per appraisal report |
| 2025120626 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Per appraisal |
| 2025120609 | XXX |  | XXX | Lender Name | notePage | XXX | XXX | per Note |
| 2025120609 | XXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Per 1008 |
| 2025120609 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit matches Lender DSCR calc. |
| 2025120604 | XXX |  | XXX | Property City | notePage | XXX | XXX | per Note |
| 2025120582 |  | XXX | XXX | Property Type | propertyValuationPage | XXX | XXX | Per Appraisal |
| 2025120615 | XXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Per 1008 |
| 2025120615 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit DSCR matches 1008 |
| 2025120576 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Lender used lower XXX premium |
| 2025120574 | XXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | rounding |
| 2025120566 | XXX |  | XXX | Loan Amount | notePage | XXX | XXX | per Note |
| 2025120624 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Per appraisal |
| 2025120555 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit matches Lender DSCR calculation worksheet |
| 2025120606 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit DSCR matches Lender calculation |
| 2025120554 | XXX | XXX | XXX | Refinance Type | the1003Page | XXX | XXX | Unseasoned XXX paid off at closing per payoff ltr & VOM |
| 2025120589 | XXX |  | XXX | Property City | notePage | XXX | XXX | Per Note |
| 2025120593 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit matches the Lender DSCR calc |
| 2025120584 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit matches Lender DSCR worksheet |
| 2025120596 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit matches Lender DSCR calculation |
| 2025120562 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit matches lender DSCR calc. |
| 2025120564 | XXX |  | XXX | Lender Name | notePage | XXX | XXX | per Note |
| 2025120564 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | per appraisal |
| 2025120570 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit DSCR matches Lender calculation |
| 2025120623 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | per appraisal report |
| 2025120619 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | per appraisal report |
| 2025120583 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Per apprasial |
| 2025120583 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit matches Lender DSCR calculation |
| 2025120578 | XXX |  | XXX | Loan Amount | notePage | XXX | XXX | per Note |
| 2025120578 | XXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | loan amount/appraisal value |
| 2025120573 | XXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | per 1008 |
| 2025120573 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit DSCR match the 1008 |
| 2025120612 | XXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | per 1008 |
| 2025120612 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit matches lender DSCR calc. |
| 2025120561 | XXX |  | XXX | Loan Amount | notePage | XXX | XXX | per Note |
| 2025120568 | XXX |  | XXX | Property City | notePage | XXX | XXX | Per Note |
| 2025120568 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI w/in tolerance of lender's DTI per 1008 |
| 2025120611 | XXX |  | XXX | Borrower 1 Last Name | notePage | XXX | XXX | Per Note |
| 2025120611 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit verified P&I to be higher |
| 2025120565 | XXX |  | XXX | Loan Amount | notePage | XXX | XXX | per note |
| 2025120557 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Per Appraisal. |
| 2025120553 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | per appraisal report |
| 2025120569 | XXX |  | XXX | Property Address | notePage | XXX | XXX | Per note |

---

## Exhibit 99.16

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.16**

---

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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** | **=INDEX('[AOMT 2025-12 - ASF Tape.xlsx]Tape'!$Q:$Q,MATCH(** | **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** |
| 2025120618 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120585 | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120586 | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120635 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120636 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120633 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120616 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Stewart | Reasonable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120590 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120614 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXX |
| 2025120628 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120610 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXX |
| 2025120613 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XXX |
| 2025120594 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXX |
| 2025120581 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Stewart | Reasonable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120580 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120587 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXX | Not Eligible | 1.5 | XXX |
| 2025120591 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025120627 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025120622 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 1 | XXX |
| 2025120601 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible |  |  |
| 2025120617 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025120599 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXX |
| 2025120577 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXX |
| 2025120629 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120626 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120603 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXX | Eligible | 1 | XXX |
| 2025120609 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120630 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120572 |  | XXX | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXX |
| 2025120632 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120631 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120604 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025120625 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120582 |  | XXX | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible |  |  |
| 2025120608 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025120597 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible |  |  |
| 2025120615 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 2.5 | XXX |
| 2025120558 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120576 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120574 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXX | Not Eligible | 2 | XXX |
| 2025120566 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025120607 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 1 | XXX |
| 2025120624 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120555 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXX | Eligible | 1.4 | XXX |
| 2025120620 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120592 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120621 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120606 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120602 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025120588 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120598 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXX |
| 2025120554 | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120589 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXX | Eligible |  |  |
| 2025120593 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120563 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120605 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | -5% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -5% | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XXX |
| 2025120584 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXX | Eligible | 1 | XXX |
| 2025120596 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXX |
| 2025120562 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120575 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXX | Eligible | 1 | XXX |
| 2025120552 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120564 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025120634 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120550 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025120570 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible |  |  |
| 2025120623 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120619 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120583 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXX | Not Eligible | 2.3 | XXX |
| 2025120578 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Stewart | Excellent | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120595 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXX | Eligible | 1.2 | XXX |
| 2025120573 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025120612 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120561 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXX | Eligible |  |  |
| 2025120568 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120600 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025120611 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120571 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | High | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXX |
| 2025120565 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120557 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXX |
| 2025120553 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXX | Eligible |  |  |
| 2025120567 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | -4% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -4% | Stewart | Reasonable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120569 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 2.6 | XXX |

---

## Exhibit 99.17

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.17**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on behalf of Angel Oak Mortgage Fund EU B LLC (the "Client"). The review included a total of 535 newly originated residential mortgage loans, in connection with the securitization identified as Angel Oak Mortgage Trust 2025-12 (the "Securitization"). The Review was conducted from May 2025 through November 2025 on mortgage loans originated between April 2025 and October 2025.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

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

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

● Validate all concurrent loans are included in the DTI to properly assess the ability to repay

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

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

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

● Validate monthly recurring liabilities

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

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

● Documentation meets Appendix Q requirements for QM Loans

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

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

● Determine representative credit score from credit report

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Pricing
 Thresholds:

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

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

○ Consumer's current or reasonably expected income or assets (other than the value of the dwelling that secures the loan;

○ The consumer's debt obligations, alimony, child support; and

○ The monthly DTI or residual income.

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

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

**Compliance Review**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. In relation to cash out refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds for business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a "Compliance Review" of applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;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 Clients or by the purchaser
 of the Loan(s)

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;m. Additional
 valuation 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 (535 loans in total):

Three hundred ninety-two (392) loans had CU scores of 2.5 or less or were eligible for Collateral Rep and Warranty relief.

Forty-six (46) loans had an AVM, eighteen (18) loans had Secondary Appraisals, two (2) loans had a Field Review, and one hundred thirty-seven (137) 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 an additional valuation product was completed. There were five (5) instances of this.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the 535 mortgage loans reviewed, four hundred three (403) unique mortgage loans (75.33% by loan count) had a total of one thousand two hundred twenty-six (1,226) tape discrepancies across thirty-three (33) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Qualifying All Borrower Residual Income | &nbsp;&nbsp;321 | &nbsp;&nbsp;26.18% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;237 | &nbsp;&nbsp;19.33% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;151 | &nbsp;&nbsp;12.32% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;78 | &nbsp;&nbsp;6.36% |
| &nbsp;&nbsp;Borrower 1 Origination Experian | &nbsp;&nbsp;50 | &nbsp;&nbsp;4.08% |
| &nbsp;&nbsp;Borrower 1 Origination Equifax | &nbsp;&nbsp;43 | &nbsp;&nbsp;3.51% |
| &nbsp;&nbsp;Borrower 1 Origination TransUnion | &nbsp;&nbsp;41 | &nbsp;&nbsp;3.34% |
| &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;32 | &nbsp;&nbsp;2.61% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;27 | &nbsp;&nbsp;2.20% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;20 | &nbsp;&nbsp;1.63% |
| &nbsp;&nbsp;Underwriting Exception in File? | &nbsp;&nbsp;20 | &nbsp;&nbsp;1.63% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;18 | &nbsp;&nbsp;1.47% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;18 | &nbsp;&nbsp;1.47% |
| &nbsp;&nbsp;Gross Rent | &nbsp;&nbsp;17 | &nbsp;&nbsp;1.39% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;15 | &nbsp;&nbsp;1.22% |
| &nbsp;&nbsp;Borrower 2 Origination TransUnion | &nbsp;&nbsp;14 | &nbsp;&nbsp;1.14% |
| &nbsp;&nbsp;Borrower 2 Origination Equifax | &nbsp;&nbsp;14 | &nbsp;&nbsp;1.14% |
| &nbsp;&nbsp;Borrower 2 Origination Experian | &nbsp;&nbsp;14 | &nbsp;&nbsp;1.14% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;13 | &nbsp;&nbsp;1.06% |
| &nbsp;&nbsp;Cash Out Amount | &nbsp;&nbsp;12 | &nbsp;&nbsp;0.98% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;12 | &nbsp;&nbsp;0.98% |
| &nbsp;&nbsp;Mo. Tax | &nbsp;&nbsp;11 | &nbsp;&nbsp;0.90% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.73% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.73% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Mo. Hazard | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.65% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.49% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.24% |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.08% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.08% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.08% |
| &nbsp;&nbsp;Grand Total | &nbsp;&nbsp;1226 | &nbsp;&nbsp;100.00% |

---

**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 Sample |
| Event Grade A | 428 | $218644098.00 | 80.00% |
| Event Grade B | 107 | $74252942.00 | 20.00% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| Total Sample | 535 | $292897040.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 467 | 87.29% |
| Event Grade B | 68 | 12.71% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| Total Sample | 535 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results (As applicable, 203 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 203 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 203 loans within population did not receive a Compliance Review):** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 303 | 91.27% |
| Event Grade B | 29 | 8.73% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| Total Sample | 332 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 515 | 96.26% |
| Event Grade B | 20 | 3.74% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 535 | 100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;271 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;48 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;22 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Approval/Underwriting Summary Partially Provided | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Purchase Contract is Expired | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;15 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Purchase Contract Expiration Date is prior to Note Date | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Borrower 1 CPA Letter Missing | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Borrower 2 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Note Missing or Defective | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Missing Certificate of Occupancy | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Borrower 1 Credit Report is Incomplete | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Entity Documentation - Missing or Defective | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;DSCR Minimum Not Met | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit Report Missing or Defective | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;HO6 Insurance Policy Effective Date is after the Note Date | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Guideline Seasoning not Met | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Missing final HUD-1 from sale of non-subject property | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Assets do not meet guideline requirements | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Income 2 Months Income Verified is Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Asset General | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Borrower 2 Credit Report is Expired | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Closing Protection Letter Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Borrower 1 Credit Report is Expired | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Purchase Contract is Incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Income 3 Months Income Verified is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;The Deed of Trust is Incomplete | &nbsp;&nbsp;2 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Insufficient Assets for Reserves | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Borrower does not meet residual income requirement | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Trust Agreement | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 Business Bank Statements Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Verification of Borrower Liabilities Missing or Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Satisfactory Chain of Title not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;ATR: Current Employment Not Verified | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Buydown Agreement Missing or Partially Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset Documentation Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Potential Occupancy/Current Address Issues identified in the file | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Audited FICO is less than Guideline FICO | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Rent Loss Insurance Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Flood Insurance Policy Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 Gap Credit Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Verification of Rent | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Business Purpose Affidavit/Disclosure Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset 4 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 Unable to Determine borrower citizenship | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing VVOE dated within 10 days consummation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Income documentation does not meet guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;No evidence of required debt payoff | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Income/Employment General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Payoff Statement Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Condo Questionnaire Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 2 Gap Credit Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower information on 1003 is incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset 2 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;ATR: Reasonable Income or Assets Not Considered | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Sales Contract Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Delinquent Credit History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Short Term Rental Income - Missing or Defective | &nbsp;&nbsp;1 |

---

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;Borrower Non-US Citizen Identification Document Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Fraud alert is present on the credit report | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing Letter of Explanation (Credit) | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;The Final 1003 is Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Borrower 1 YTD Profit & Loss Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing Lender Income Calculation Worksheet | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing letter of explanation | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Grant Deed Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***588*** |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Excessive LTV Ratio | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Purchase Contract is Expired | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Payment shock exceeds guideline | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Delinquent Credit History Does Not Meet Guideline Requirements | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Approval/Underwriting Summary Partially Provided | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Purchase is not considered to be an Arm's Length Transaction | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Cash Out Does Not Meet Guideline Requirements | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower does not meet residual income requirement | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Transaction is not arm's length | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Excessive Cash-Out Refinance | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;2 |
| &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;Loan has escrow holdback. No proof it was released provided in file | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Minimum Loan Amount Not Met | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Audited Loan Amount is less than Guideline Minimum Loan Amount | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing Letter of Explanation (Income) | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Tradelines do not meet Guideline Requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Overdraft/NSF Count Exceeds Tolerance | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Minimum Credit Score Requirement Not Met | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***78*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;205 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;39 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;15 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Credit Score Disclosure (FACTA) | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Homeownership Counseling Disclosure Is Missing | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;NC Rate Spread Home Loan Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &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;Buy Down Buy Up Disclosure Is Partially Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Closing Disclosure is Not Executed | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Loan Estimate Delivery Date Test (from application) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Ark. Code Ann. § 23-39-513 (10) Ark. Code Ann. § 23-53-104 (b) A.C.A. § 23-53-104 - Tangible Net Benefit Disclosure missing or no evidence it was provided prior to or at consummation or unable to validate tangible net benefit criteria | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Qualified Mortgage APR Threshold Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Initial Escrow Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing HUD-1 Closing Statement | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***319*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Incorrect rescission model used - RTC form model H-9 used for refinance not with Original Lender or Lender Affiliate | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***29*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;297 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Review - Missing | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Ineligible Property – Zoning Non-compliance | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;HOA Questionnaire is Incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property Issue(s) are Present | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal incomplete (missing map, layout, pages, etc.) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Flood Insurance Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;HOA Questionnaire is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;File does not contain all required valuation documents | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***342*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property Issue(s) are Present | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Ineligible Property | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Ineligible Property – Square Footage | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;DSCR Minimum Not Met | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Condo project is ineligible | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property Type does not meet eligibility requirement(s) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Short Term Rental Income - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal is Expired | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Market Rent - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property has been listed for sale in the past 6 months | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***21*** |

---

**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 Clients/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. Clients 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 99.18

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.18**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS/Morningstar)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (Kroll)** | **Initial Compliance Grade (Moodys)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS/Morningstar)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (Kroll)** | **Final Compliance Grade (Moodys)** | **Final Compliance Grade (S&P)** |
| 2025120499 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Loan has XXX. No proof it was released provided in file | Per Lender guidelines only allow XXX only if the loan to close prior to improvements being made, if this was due to inclement weather. The XXX is for an indoor bathroom remodel. The XXX does not meet the Lenders requirement. | Document Uploaded. | XXX | Lender Exception to allow XXX for XXX approved by XXX on XXX. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120499 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party XXX Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment completed within XXX (XXX) days of the note date. The file is missing the required Verbal Verification of Employment. Provide a Verbal Verification of Employment completed within XXX (XXX) days of the note date. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120499 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120499 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120542 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120542 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120542 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120415 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120415 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120415 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120425 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% 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 XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX% tolerance violation in the amount of $XXX is due to increase from the initial XXX dated XXX and the final CD dated XXX for the following fees: $XXX to $XXX for the attorney fees, $XXX to $XXX for the notary fee, $XXX to $XXX for the archive fee, $XXX to $XXX for the courier fee, $XXX to $XXX for the wire fee and $XXX to $XXX for the settlement fee. | Document Uploaded. ; Can you pls upload the Compliance Worksheet so I can send to our Compliance Dept. ; Pls upload the Compliance Report for us to view. Also , can you pls recalculate the figures as I got: XXX for the Settlement Fee = XXX. You have XXX | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Document Uploaded. Attached is the tolerance calculation for the XXX% tolerance bucket; We included the Title-Closing Fee for $XXX and Recording Fee of $XXX on the initial XXX into the XXX% calculations. The correct cure would be $XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120425 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | 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) The file is missing multiple assets that are listed on the 1003. This creates a reserve deficiency and doe not allow to verify the assets for income qualification purposes. Please provide all assets listed for review. |  |  | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s). Lender documented sufficient assets to cover the<br> following: Loan amount, Down payment, Closing costs and prepaid items, XXX (XXX) years of monthly debt expenditures, XXX (XXX) months PITIA reserves, and verified over the minimum assets requirement of $XXX in post-closing assets. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120425 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. The file is all assets that are listed on the Final 1003. This creates a reserve deficiency and doe not allow to verify the assets for income qualification purposes. Please provide all assets listed for review. |  |  | Audited Reserves of $XXX are equal to or greater than XXX Required Reserves of $XXX. Lender documented sufficient assets to cover the<br> following: Loan amount, Down payment, Closing costs and prepaid items, XXX (XXX) years of monthly debt expenditures, XXX (XXX) months PITIA reserves, and verified over the minimum assets requirement of $XXX in post-closing assets. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120425 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The file is missing all assets listed on the Final 1003. There are no assts documented for closing costs of $XXX and reserves totaling $XXX. In total the assets required to be documented for closing and reserves is $XXX. |  |  | Document Uploaded. ; Asset Qualification Meets Guideline Requirements. Lender documented sufficient assets to cover the<br> following: Loan amount, Down payment, Closing costs and prepaid items, XXX (XXX) years of monthly debt expenditures, XXX (XXX) months PITIA reserves, and verified over the minimum assets requirement of $XXX in post-closing assets. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120425 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | 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 file is missing all assets that are listed on the Final 1003. There are no assts documented for closing costs of $XXX and reserves totaling $XXX. In total the assets required to be documented for closing and reserves is $XXX. Please provide all assets listed for review. |  |  | Document Uploaded. ; Funds are found to meet guidelines. Lender documented sufficient assets to cover the<br> following: Loan amount, Down payment, Closing costs and prepaid items, XXX (XXX) years of monthly debt expenditures, XXX (XXX) months PITIA reserves, and verified over the minimum assets requirement of $XXX in post-closing assets. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120425 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. The file is missing all assets that are listed on the Final 1003. This creates a reserve deficiency of $XXX. Please provide all assets listed for review. | Document Uploaded. This should take care of all the Funds to Close/Reserves Conditions | XXX | The required number of months reserves are to be seasoned does meet Guideline requirement. Lender documented sufficient assets to cover the<br> following: Loan amount, Down payment, Closing costs and prepaid items, XXX (XXX) years of monthly debt expenditures, XXX (XXX) months PITIA reserves, and verified over the minimum assets requirement of $XXX in post-closing assets.; Document Uploaded. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120425 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | XXX: Reasonable Income or Assets Not Considered | XXX: Reasonable Income or Assets Not Considered The file is missing all assets that are listed on the Final 1003. This creates a reserve deficiency and does not allow to verify the assets for income qualification purposes. Please provide all assets listed for review. |  |  | XXX: Reasonable Income or Assets Was Considered: Lender documented sufficient assets to cover the<br> following: Loan amount, Down payment, Closing costs and prepaid items, XXX (XXX) years of monthly debt expenditures, XXX (XXX) months PITIA reserves, and verified over the minimum assets requirement of $XXX in post-closing assets. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120425 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Provide the Credit Score Disclosure (XXX) dated within XXX days of application | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120425 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The file documents a XXX housing history. The Lender requires a XXX housing history. CRSE approved exception to guidelines. Exception Type-Credit - Payment History (Housing), Guideline-XXX, Actual-XXX (XXX XXX pmt), Rationale-Excellent credit history-Assets > $XXX than required for program criteria. Lender granted exception on XXX. Exception is not valid, assets listed for Asset Qualifier and reserves are not documented in the file. |  |  | Exception granted | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120425 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120449 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Based on the appraisal and title documents, the subject property is located in XXX County; however, the deed reflects XXX County as the property location. | Document Uploaded. ; Document Uploaded. | XXX | The Deed of Trust is Present and Complete; The XXX Affidavit provided reflects the county was corrected to XXX, however, the correct county was XXX per the title and appraisal. Please provide a corrected XXX Affidavit to XXX County. Thank you. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120449 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower information on 1003 is incomplete | Updated 1003 adding the borrowers current residence located at XXX could not be located. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. ; Document Uploaded. I have attached here and uploaded the XXX of this property. These are apartments and the borrower would not have owned that unit. I remember XXX this, I must not have uploaded it. | XXX | Updated 1003 received. Although XXX is listed as owned, prior documentation provided by Lender confirmed that property was an apartment complex, therefore, listing it as "owned" is a typo. Copy of lease for XXX is in file and payment history documented. Condition cleared.; Based on the recent XXX in file, B1 resides at XXX vs. XXX XXX reflected on the 1003. Please provide an updated 1003 with B1's correct residence history or an explanation from B1 regarding the incorrect residence address at XXX listed on the bank statements. Thank you.; Based on the recent XXX in file, the Borrower resides at XXX vs. XXX XXX XXX reflected on the 1003. Please provide an updated 1003 with the Borrower's correct residence history or an explanation from the Borrower regarding the incorrect residence address at XXX listed on the bank statements. Thank you.; Based on the recent XXX bank statements in file, the Borrower resides at XXX vs. XXX XXX XXX reflected on the 1003. Please provide an updated 1003 with the Borrower's correct residence history. Thank you. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120449 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120449 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120449 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Fraud alert is present on the credit report | According to the credit report, a fraud alert is present, indicating the borrowers are XXX of fraudulent activity. Audit did not find evidence that the lender contacted the borrowers to verify whether they had submitted the application. | Document Uploaded. | XXX | Lender Fraud Cert provided. Condition cleared. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120428 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | XXX is Incomplete | HOA Questionnaire incomplete The XXX Questionnaire states that the roofs will need to be replaced and a special assessment is anticipated, the timing and amount are unknown. The HOA payment ledger provided by the borrower shows a quarterly assessment of $XXX beginning in XXX XXX. The description does not state the purpose of the assessment, nor the proposed duration. Clarification is required, the payment will be included in the borrower's housing ratio pending further review. | Client provided attached document. ; Document Uploaded. ; Client provided attached document. ; Document Uploaded. ; this "other" payment has been added to the PITIA – leaving the DTI XXX%. ; Document Uploaded. ; The assessment is to recover operating funds. | XXX | XXX Provided. XXX confirmation from the XXX stating the roof was replaced.; Document Uploaded. ; As previously discussed with management through emails, please provide confirmation from the XXX stating the roof repairs as mentioned in the XXX XXX (see #XXX on page XXX of the XXX) were completed. Thank you.; As previously discussed with management through emails, please provide confirmation from the XXX stating the roof repairs as mentioned in the XXX questionnaire (see #XXX on page XXX of the XXX) were completed. Thank you.; Document Uploaded. ; Thank you for providing the attached roof warranties from XXX, however, none of the warranties provided reflect the subject's address XXX (there is a XXX , however, that appears to be a different XXX). Also, the XXX indicated as of XXX, the roof still needed to be replaced. Please provide current documentation from XXX to confirm the subject's roof has been repaired/replaced as reflected in the XXX. Thank you.; Hi there, we included the fees in the DTI, however, we still need documentation to confirm the roof repairs have been completed (see #XXX on page XXX of the XXX). Thank you.; Please provide documentation to confirm the quarterly special assessment of $XXX is to XXX costs for the replacement/repair of the roof. We can conservatively include the the $XXX/month into the DTI as you did on the revised 1003, 1008, and XXX, however, since the replacement of the roof is considered a health/safety issue, we still need documentation to confirm the repairs have been completed (see #XXX on page XXX of the XXX). Thank you.; Please provide documentation to confirm the quarterly special assessment of $XXX is to recoup costs for the replacement/repair of the roof (which is listed as a safety issue) and the duration of the payment. Thank you.; Material Finding | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C B | A C B | A C B | A C B | A C B | A | A | A | A | A | A |
| 2025120428 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | The Gap Credit Report pull date: (XXX) on the Credit Scores card, as found on the Credit Liabilities page must be inside XXX-days of consummation date: (XXX) on the Note Info card as found on the Note page. Please make appropriate corrections. The Lender requires a XXX credit report dated within XXX days of the closing date. The XXX credit report in the file is dated XXX and the loan closed XXX. The XXX credit report is over XXX days old. Provide a XXX credit report dated within XXX days of the closing date. | Document Uploaded. | XXX | Borrower 1 XXX Credit Report is not expired. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C B | A C B | A C B | A C B | A C B | A | A | A | A | A | A |
| 2025120428 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C B | A C B | A C B | A C B | A C B | A | A | A | A | A | A |
| 2025120409 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The lender provided XXX months of bank statements showing withdrawals from XXX, which they claim were used to purchase money orders. However, no copies of the money orders or mortgage statements from XXX were included to support these payments. Bankruptcy documents indicate that the trustee was making payments to XXX, but it's unclear whether those payments covered any past-due amounts. Additionally, the withdrawal amounts do not match the payment shown on the single mortgage statement provided. | Per client : We have I believe XXX months of pay history for XXX, as the Bwr paid Mtg XXX XXX from XXX. All of this is in file.<br>The mortgage statement does not show any passed due amount and you can clearly see that the borrower is taking funds out of her account for the money order to pay her mortgage each month. As you know XXX can adjust year over year and you can see that for a full XXX months, the borrower paid the same amount and then went up again. Also, it cost to get a money order so I am sure the extra is for the fee in order to obtain it or them as I think she would have to do multiple XXX for this amount due to the XXX amount limit. She is making the payment and has proved with withdrawal of the funds. ; Document Uploaded. ; Document Uploaded. Pls review the Bank Statements as that is the proof of payments | XXX | Housing History Meets Guideline Requirements. Received the response from the client and re-reviewed the amounts paid out each month. In agreement - the higher payments to XXX could potentially be the charges for payment made; but initial payments are in line with the mortgage statement and note/mortgage originally provided. Confirmed XXX months of housing were provided. Cleared.; ; The payment history provided appears to be the Bankruptcy payment history through XXX. Please provide the XXX payment history from XXX through XXX to confirm XXX.; Thank you for providing the bank statements. Although this documentation was present in the loan file, we were unable to match the withdrawals (listed as XXX) to the mortgage payments for XXX due to the withdrawal amounts do not match the mortgage payment reflected on the statement. Please provide the payment history from XXX to match with the statements in file. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120409 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing Letter of Explanation (Credit) | Per lender guidelines, Section XXX, if a bankruptcy has been discharged within the past XXX years, the borrower is required to provide a detailed letter of explanation outlining the circumstances that led to the bankruptcy. | Document Uploaded. ; Document Uploaded. | XXX | Signed Letter of Explanation from Borrower regarding reason for XXX received. Condition cleared.; Thank you for providing the XXX, however, this does not address the exception originally issued. Per lender guidelines, Section XXX, if a bankruptcy has been discharged within the past XXX years, the borrower is required to provide a detailed letter of explanation outlining the circumstances that led to the XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120409 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Updated CRSE required: the Lender's Credit Risk Summary and Exception Approval indicates the borrower was qualified under the XXX-Month Business Bank Statement program; however, only XXX months of bank statements are present in the file. Additionally, the CRSE does not reflect the exception approval for the lack of credit tradelines—although an email is included in the file, it is not referenced in the CRSE. The CRSE also omits the required XXX% payment calculation for XXX student loans currently in deferment. Per lender guidelines, these loans cannot be excluded from the debt-to-income ratio. | Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; Material Finding | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120409 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. The CRSE does not reflect the exception approval for the lack of credit tradelines—although an email is included in the file, it is not referenced in the CRSE. | Document Uploaded. | XXX | Lender exception for insufficient tradelines approved by investor on XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120409 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120409 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120411 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% The subject is located in a Declining market. Per the Lender's XXX a XXX% LTV reduction is required. The maximum LTV is XXX% | Document Uploaded. | XXX | ; Thank you for providing the approved exception for the LTV. Per XXX , exceptions for LTV due to XXX cannot be cleared with a XXX. See email from XXX. Thank you. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120411 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% The subject is located in a Declining market. Per the Lender's XXX a XXX% HCLTV reduction is required. The maximum HCLTV is XXX% | Document Uploaded. | XXX | ; Thank you for providing the approved exception for the HLTV. Per XXX , exceptions for HLTV due to declining market cannot be cleared with a XXX. See email from XXX. Thank you. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120411 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% The subject is located in a Declining market. Per the Lender's XXX a XXX% CLTV reduction is required. The maximum CLTV is XXX% | Document Uploaded. ; I'm sorry the LTV is XXX% where does the XXX% LTV come in at. Also pls use the Brokers XXX that I uploaded, thanks; Document Uploaded. This should clear the Audited LTV/HLTV/CLTV conditions. Pls review to XXX guides; which they allow a XXX% LTV with a XXX fico, so the LTV reduction to XXX% is allowed. Note the Brokers Credit Report is still good as its not XXX days at closing | XXX | ; Thank you for providing the approved exception for the CLTV. Per XXX , exceptions for CLTV due to declining market cannot be cleared with a XXX. See email from XXX. Thank you.; Document Uploaded. ; The credit scores decreased between the broker's XXX report and XXX XXX report, resulting in lower representative scores for each borrower. Per XXX, when there is a material change between the reports, the XXX report should be used. This means that the qualifying primary score changed from XXX to XXX, and the XXX score is what is reflected on the XXX 1008 and XXX. Per the XXX Bank Statement Matrix dated XXX, the max LTV for a XXX credit score is XXX% (please disregard prior comment regarding XXX% LTV), which is what was calculated by XXX and XXX. However, because the subject is located in a declining market with XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. C B C A C B A A A A C C A A C C A A C C A A C C A A C C A A B B A A B B A A B B A A B B A A B B A A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120411 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | The XXX Credit Report pull date: (XXX) on the Credit Scores card, as found on the Credit Liabilities page must be inside XXX-days of consummation date: (XXX) on the Note Info card as found on the Note page. Please make appropriate corrections. The XXX Credit Report in file is dated XXX and the consummation date is XXX, which is greater than XXX days after the report date. | Document Uploaded. | XXX | XXX report is dated XXX and is not within XXX days of XXX closing. Lender has provided a loan approval exception allowing the expiring XXX report Comp factors XXX include XXX credit score, XXX% DTI, decreasing payment by $XXX payment shock of - XXX%, XXX months reserves and residual income of $XXX. Exception approved by XXX XXX. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120411 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | The XXX Credit Report pull date: (XXX) on the Credit Scores card, as found on the Credit Liabilities page must be inside XXX-days of consummation date: (XXX) on the Note Info card as found on the Note page. Please make appropriate corrections. The XXX Credit Report in file is dated XXX and the consummation date is XXX, which is greater than XXX days after the report date. | Document Uploaded. | XXX | XXX report is dated XXX and is not within XXX days of XXX closing. Lender has provided a loan approval exception allowing the expiring XXX report Comp factors cited include XXX credit score, XXX% DTI, decreasing payment by $XXX, payment shock of - XXX%, XXX months reserves and residual income of $XXX. Exception approved by XXX XXX. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120411 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120411 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120421 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Debt and income verification, using the broker's credit report, result in a DTI > XXX% . | Document Uploaded. | XXX | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%. XXX on XXX reflects a material change with FICO/balances, therefore used XXX. Supplement provided shows XXX auto XXX Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C A C A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120395 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Documentation Required- Credit Score Disclosure (XXX) | Document Uploaded. Uploaded credit score disclosures. | XXX | XXX Credit Score Disclosure is provided. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120416 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | XXX: Current Employment Not Verified | XXX: Current Employment Not Verified Guidelines require a verification of employment within XXX days of closing. Please provide a XXX dated XXX or later. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | XXX | XXX: Current Employment Was Verified; Current XXX received confirming Borrower as an active employee. XXX: Current Employment Was Verified. Condition cleared.; In an attempt to validate the Borrower's bio with the employer that was just provided, it appears this information was last updated in XXX (the XXX date was from when it was printed off of the internet vs. reverification with the employer). Please provide a current verbal verification of employment. Thank you.; An XXX listing for the employer, XXX Supply Chain Solutions, was uploaded. However, borrower is a W2 employee and therefore, requires a verbal verification of employment (XXX) from the employer. Please upload a XXX dated within XXX days of closing. | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120430 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing Lender Income Calculation Worksheet | The lender's income calculator worksheet reflects an income of $XXX, which does not match the income used on the 1008, 1003, or CRSE. The lender used $XXX to qualify the borrower. Please provide the income calculator worksheet that supports the qualifying income used.  | Document Uploaded. ; Document Uploaded. | XXX | Lender provided corrected 1008, 1003, and XXX reflecting income used on XXX worksheet vs. providing a corrected worksheet. Condition cleared.; The 1003, 1008 and XXX were uploaded showing income of $XXX. Please upload the income calculator that supports this amount as the one in the file reflects $XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120404 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | XXX XXX High Cost Home Loan Points and Fees Threshold Test | This loan has terms that exceed the high-cost home loan points and fees threshold. (XXX),(XXX))The total points and fees payable in connection with the loan, excluding not more than two bona fide discount points, exceed:XXX percent of the total loan amount if the total loan amount is $XXX or more.The lesser of XXX percent of the total loan amount or $XXX if the total loan amount is less than $XXX. XXX Cure Required. Refund in the amount of $XXX due to fail of XXX High Cost Home Loan Points and Fees Threshold Test; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. Unable to determine starting adjusted rate for XXX discount point testing. | Document Uploaded. ; I need your Complete Compliance worksheet; Document Uploaded. Hi pls see the attached Info and escalate all of this information is from your XXX. XXX has a separate high cost which includes additional fees from title that XXX high cost does not. The loan does have bonafide discount points of XXX% of the loan amount = $XXX. ; Document Uploaded. ; Pls provide me w/a Copy of the Compliance Worksheet for our Compliance Dept, thanks | XXX | XXX, XXX, copy of check and proof of shipment provided with XXX days of discovery,XXX which downgrades the exception to a B. Exception cured within XXX days of the creditor's discovery or receipt of notification of an unintentional violation or XXX error and prior to the institution of any action. The consumer was notified of the compliance failure, appropriate restitution was made, and whatever adjustments necessary were made to the loan to either, (A) make the loan satisfy the requirements of this part; or (B) in the case of a high-cost mortgage, change the terms of the loan in a manner beneficial so that the loan will no longer be a high-cost mortgage. The consumer accepted a change the terms of the loan in a manner beneficial so that the loan will no longer be a high-cost mortgage.; Document Uploaded. Compliance report provided; Document Uploaded. Please provide the statute citation for review. Based on the review from the XXX general assembly review of the XXX XXX Title XXX - BANKING AND FINANCE (XXX) XXX - FAIR LENDING (XXX) Section XXX - Definitions: The undiscounted rate is more than XXX% above XXX which means the discount points do not meet the bona fide definition. ; Under XXX XXX Title XXX - BANKING AND FINANCE (XXX) XXX - FAIR LENDING (XXX) Section XXX - Definitions: (XXX) "XXX discount points" means loan discount points knowingly paid by the borrower for the express purpose of reducing, and which in fact do result in a XXX reduction of, the interest rate applicable to the XXX; provided, however, that the undiscounted interest rate for the XXX does not exceed by more than XXX percentage point the average prime offer rate as defined in 12 C.F.R. 1026.35 that applies to a comparable transaction, as published by the XXX Consumer Financial Protection XXX as of the last date the discounted interest rate for the transaction is set before consummation. The undiscounted rate is more than XXX% point above XXX therefore no discount points could not be excluded; Document Uploaded. XXX testing image attached | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120404 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The file does not document sufficient assets to meet the reserve requirement of $XXX or XXX month. | Document Uploaded. This should clear up all Assets/Reserves Conditions. The Bwr/XXX owns XXX together ; did you use the Gift Funds of $XXX toward the Funds to close since at the beginning was not included in your calculations ; Document Uploaded. This should clear all the Assets conditions | XXX | Documentation provided to show borrower owns XXX businesses with non-borrowing spouse and borrower has XXX% access to all funds. Assets are sufficient to meet the reserves requirement, exception resolved. ; Asset Qualification Meets Guideline Requirements; Yes, the gift funds were included in the verified assets. Here is the breakdown: XXX **XXX**; XXX #XXX; XXX XXX; XXX XXX; Gift $XXX minus funds to close XXX which is less than $XXX (XXX months) required for reserves.; Thank you for providing the XXX and gift letter. Unfortunately, the reserves remain insufficient. It appears XXX% of the business assets were used to qualify vs. the percentage of ownership (Borrower is XXX% owner of XXX and XXX% owner of XXX). Using the Borrower's percentage of ownership for XXX , XXX , and XXX the total verified assets = XXX minus funds to close of XXX remaining for reserves which is less than $XXX (XXX months) required. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120404 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. The file documented $XXX in funds for closing and reserves. The borrower used $XXX for closing leaving $XXX. The borrower was required to document XXX months or $XXX for reserves. The file is short $XXX to meet the reserve requirement. |  |  | Audited Reserves of XXX are equal to or greater than XXX Required Reserves of XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120404 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | 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) The file documented $XXX in funds for closing and reserves. The borrower used $XXX for closing leaving $XXX. The borrower was required to document XXX months or $XXX for reserves. The file is short $XXX to meet the reserve requirement. |  |  | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120404 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120412 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The Lender requires evidence of wire transfer at closing for the gift funds in the amount of $XXX from XXX XXX from XXX ending #XXX. The file is missing proof of the wire transfer. | Document Uploaded. ; Document Uploaded. ; on the final cd you should have this one in file; It is still on the CD. We were informed in the attached email that Chong would be wiring $XXX but received $XXX from XXX. <br>In the XXX email attached, we followed up about this and asked to confirm gift funds and was informed that the borrower was cleared to send remaining funds from any account. <br>So additionally, we also received $XXX and $XXX from XXX.<br>Thank you  | XXX | Asset Qualification Meets Guideline Requirements; Based on the wires provided, it appears the gift received from XXX was $XXX vs. XXX reflected on the final CD (the XXX additional wire is from the Borrower's XXX #XXX account). Please provide the corrected CD reflecting $XXX in gift funds. Thank you.; Although the gift is reflected on the final CD, we are missing a copy of the wire transfer from the donor to the XXX as required per Section XXX of Lender guidelines. Please provide a copy of the wire, certified check, or money order for $XXX as required per guidelines. Thank you.; No documentation was attached. Please provide the information you referenced in your comment for review. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120412 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Purchase Contract is Expired | The Purchase Contract in the file expired XXX. The Lender requires a Purchase Contract Addendum Extending the contract to the closing date XXX. Provide an executed copy of the Purchase Contract Addendum extending the closing date to XXX. | XXX has agreed to waive this condition. Thanks! | XXX | Lender has granted an exception for the finding, based on the fact that all parties executed the closing document. Final grade is a B. | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120412 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120412 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120389 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation Required- Missing eSigned documents consent. Intent to Proceed was electronically signed on XXX. | Document Uploaded. | XXX | Evidence of eConsent is provided. | XXX | Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120389 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120389 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120389 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120431 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid XXX. The zero-tolerance violation in the amount of $XXX is due to the increase of the credit report fee on the final CD without valid XXX. Cure of $XXX not sufficient. 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 $XXX.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). | Document Uploaded. ; Pls re-review as there is a Lender Credit for $XXX on CD signed at Closing, thanks | XXX | Cure package provided to the borrower; exception downgraded to a XXX; A cure of $XXX was already provided, however the full tolerance violation was $XXX for the increase in the credit report from $XXX to $XXX. The cure of $XXX was already applied, leaving $XXX still required to be cured | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120431 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120431 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party XXX Prior to Close Missing The loan file does not contain a 3rd party XXX dated within XXX days of closing. The most recent XXX for Borrower is dated XXX and the loan closed on XXX. <br> The Borrower is working as a Contractor for a home XXX. The file contains a letter from the company confirming the Borrower was currently employed, however, the letter was dated XXX. Although there is documentation in the file dated within XXX days of closing for the XXX, there is no documentation in the file dated within XXX days of closing stating the Borrower is still currently employed. <br> Please provide a 3rd party XXX dated within XXX days of closing. | Document Uploaded. | XXX | Verification provided, exception resolved. ; Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120431 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120406 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Appraisal says XXX units in XXX, XXX questionnaire says XXX. Provide corrected documentation verifying the number of Units in the complex. | Document Uploaded. Uploaded XXX - transferred appraisal so unable to get updated. thanks! | XXX | Lender exception for incorrect number of units on appraisal approved by investor on XXX due to being a transferred appraisal, unable to obtain corrections and number of units will not impact value or guidelines. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120406 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120406 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120491 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | 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 $XXX.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). XXX Cure Required. Refund in the amount of $333.05; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid XXX. The zero-tolerance violation in the amount of $XXX is due to the increase of the Lender's XXX fee, Settlement or Closing Fee, and E-recording fee from initial XXX to the final CD without valid XXX. All title fees started in Section B of initial XXX as non-shoppable. | Document Uploaded. I have uploaded all cure docs.; Document Uploaded. Uploaded the XXX. Borrowers shopped for their own XXX. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; All XXX that were issued to the borrower were listed with XXX in the cannot shop for section despite an XXX being provided. Per XXX guidance: The inclusion of the fee within Section XXX of the XXX provided to the consumer will be the primary basis for determining whether the consumer was permitted to shop. Presence of an XXX listing services and providers, does not, in and of itself, serve as evidence that the consumer was permitted to shop for these services or other title services particularly when such services are listed in Section B of the XXX ("Services you CANNOT shop for"). Cure required | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120491 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The Bank Statement Questionnaire was not fully completed—operating details were left blank. | Document Uploaded. Uploaded the same XXX that you should have. The operating details are not blank. Let me know if it doesn't translate over to you. | XXX | Operating details are complete on XXX in file, exception resolved. ; Income and Employment Meet Guidelines | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120491 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation Required- Initial CD issued XXX per disclosure tracking. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX 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 XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. | Document Uploaded. Uploaded initial CD. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120491 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120441 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Property | Appraisal is Expired | Primary Value Appraisal is Expired The subject appraisal was effective XXX, which is greater than XXX days from the subject loan closing date of XXX. The loan file contained a XXX/XXX to serve as a recertification of the original appraised value, however, the applicable guidelines state that a recertification of value is only acceptable if it is between XXX days through XXX days. The loan approval dated XXX stated the appraisal was expired and that a new appraisal was required. Please provide a new appraisal, as required. | Document Uploaded. XXX management approved the use of the appraisal dated XXX. Please see XXX uploaded reflecting the exception. | XXX | Acknowledged and downgraded. ; Appraisal dated XXX is >XXX days at time of closing XXX. Lender has provided a loan exception approval for the expired appraisal. Comp factors cited include XXX credit score, XXX% DTI, XXX months reserves, XXX credit history and $XXX residual income. Exception approved by XXX on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120441 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The loan file contained a Desk Review, however, it was a review of an expired appraisal. Please provide a new desk review of the new appraisal that is required or an alternative Third Party Valuation that is guideline compliant. | Exception granted for the use of the appraisal dated in XXX. The XXX is therefore acceptable. Thanks! | XXX | Acknowledged and downgraded. ; Appraisal dated XXX is >XXX days at time of closing XXX. Lender has provided a loan exception approval for the expired appraisal. Comp factors cited include XXX credit score, XXX% DTI, XXX months reserves, XXX credit history and $XXX residual income. Exception approved by XXX on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120441 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120441 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120379 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | 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 $XXX.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). XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid XXX. The XXX-tolerance violation in the amount of $XXX is due to the increase of the XXX appraisal fee on the XXX dated XXX without valid XXX. XXX dated XXX does not provide reason for fee increase. | Document Uploaded. Uploaded all cure docs. | XXX | Cure package provided to the borrower; exception downgraded to a XXX | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120379 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation Required- The eSigned Documents Consent is missing. The initial XXX and intent to proceed were electronically signed on XXX. | Document Uploaded. Uploaded eConsent disclosure. | XXX | Evidence of eConsent is provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120379 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120379 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120390 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | 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 $XXX. 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). XXX Cure Required. Refund in the amount of $XXX; cure package requires a XXX, XXX, copy of refund check, and proof of delivery or valid XXX. The XXX-tolerance violation in the amount of $XXX is due to the increase of the appraisal fee on the CD dated XXX without valid XXX. COC dated XXX does not provide reason for fee increase. | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120390 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120390 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120427 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The Lender's Approval requires a fully executed XXX from the sale of the current primary residence on XXX and a copy of the the wire confirmation from the XXX. The file does not contained the required documents. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. ; Document Uploaded. | XXX | Asset Qualification Meets Guideline Requirements; Please provide the wire confirmation of the proceeds from the sale of XXX ($XXX) to the XXX as required per XXX. Thank you.; Thank you for providing the final Settlement Statement for the sale of XXX. Please provide the wire confirmation of the proceeds to the XXX as required per XXX. Thank you.; The CD provided does not reflect the payoff of Freedom XXX and Figure Lending in the Seller's Transaction summary. Please provide the Final Settlement Statement for the sale of XXX the reflects the net proceeds of $XXX as reflected on the final 1003, the payoff of the mortgages secured against that property, and a copy of the wire confirmation of the proceeds to the XXX. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120427 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | The Gap Credit Report pull date: (XXX) on the Credit Scores card, as found on the Credit Liabilities page must be inside XXX-days of consummation date: (XXX) on the Note Info card as found on the Note page. Please make appropriate corrections. The Lender requires a XXX credit report to be obtained within XXX days of the closing. The XXX credit is over XXX days old. Provide a XXX credit report that is dated within XXX days of the closing date. | Document Uploaded. no material change | XXX | Borrower 1 XXX Credit Report is not expired. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120427 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120427 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120382 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. The Lender requires XXX months or $XXX in reserves. The file documented $XXX in assets and $XXX was needed for closing, leaving $XXX for reserves. The file is $XXX short to meet the XXX month or $XXX reserve requirement. | Document Uploaded. We gave a lender credit reducing our fees for this transaction. It brought the cash to close down and leaves the borrower with XXX months reserves. I uploaded a check back to the borrower, PCCD, letter to borr, XXX label and Fedex proof of delivery. See updated XXX with final reserve calculation of XXX months based on cash from borr updated on PCCD. | XXX | Audited Reserves of $XXX are equal to or greater than XXX Required Reserves of $XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120382 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | 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) The Lender requires XXX months or $XXX in reserves. The file documented $XXX in assets and $XXX was needed for closing, leaving $XXX for reserves. The file is $XXX short to meet the XXX month or $XXX reserve requirement. | Updated docs to other finding. We have XXX months reserves. | XXX | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120382 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. The Lender requires XXX months or $XXX in reserves. The file documented $XXX in assets and $XXX was needed for closing, leaving $XXX for reserves. The file is $XXX short to meet the XXX month or $XXX reserve requirement. | Uploaded docs to other finding. We have XXX months reserves. | XXX | The required number of months reserves are to be seasoned does meet Guideline requirement. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120382 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Lender requires a Verbal XXX dated within XXX days of the closing date. The file is missing the required Verbal XXX from XXX. | Document Uploaded. Uploaded VVOE for XXX job. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120382 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120382 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120498 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or XXX fees for non-subject property | Audit could not locate evidence property located on XXX is owned free/clear. | Document Uploaded. Uploaded a XXX property report - shows the $XXX mortgage was released on XXX. (XXX of report); Document Uploaded. The hazard insurance for XXX does not reflect a mortgagee. All of the other properties with mortgages show the mortgagee on the XXX. This one does not. | XXX | Property report confirms XXX released in XXX and no XXX opened. Condition cleared.; Please provide a current property report that confirms XXX is free and clear. Thank you. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120498 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset XXX Does Not Meet Guideline Requirements Audit was unable to locate documentation confirming the sale of XXX with net proceeds of $XXX. Additionally, the settlement agreement included in the file is not signed. | Document Uploaded. Uploaded signed XXX for sale. Also providing updated 1008/1003/XXX with proceeds amount updated. We don't need the contract signed as that document isn't even required if we have the signed XXX for proof of sale. Thanks! | XXX | Asset XXX Meets Guideline Requirements Or Not Applicable | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120498 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements XXX current mortgage #XXX, not reporting on credit report. Prior with United XXX #XXX reviewed for XXX months through XXX then transferred. Audit could not locate evidence of XXX XXX payment history. (mortgage statements for XXX & XXX provided) | Document Uploaded. Please see bank stmt printout showing XXX mtg pmt for $XXX paid on XXX. | XXX | XXX payment to Valon of $XXX paid on XXX and reflected on page XXX. Condition rescinded. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120498 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Audit could not locate a XXX dated within XXX days of the Note that reflects the business as active. The XXX printout dated XXX reflects the filing status as "unknown". | Document Uploaded. Uploaded XXX lookup which confirms XXX is currently Active. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120498 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Audit could not locate a XXX dated within XXX days of the Note that reflects the business as active. The XXX printout dated XXX reflects the filing status as "unknown". | Uploaded to other VVOE finding. | XXX | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120498 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120498 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120528 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements According to lender guidelines (Section XXX – First-Time Home Buyers), eligibility requires a XXX-month residential payment history verified by either cancelled checks or third-party XXX/XXX. While a XXX was provided, it was issued by a private investor. Cash receipts were included, but no cancelled checks. The broker submitted an exception request to XXX; however, audit could not locate documentation of an approval. | Document Uploaded. | XXX | Lender exception to accept cash receipts for payment history vs. XXX approved by investor on XXX.; XXX was provided, it was issued by a XXX. Cash receipts were included, but no cancelled checks were provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 2025120528 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Verification of the Borrower's business was not completed within XXX days of closing. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 2025120528 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | Per the Clear to Close approval, the contract closing date is listed as XXX XXX, XXX. If the actual closing occurs after this date, all parties are required to execute an extension agreement on or before the closing date. The loan closed on XXX XXX, XXX; however, audit could not locate a copy of the executed extension. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared.; Material Finding | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 2025120528 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Please provide Homeownership Counseling Disclosure within XXX days of the application date. | Document Uploaded. | XXX | Homeownership Counseling Disclosure Is Present or Not Applicable | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 2025120528 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX complaint This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 2025120528 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 2025120393 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% 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 XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). XXX XXX cure required:<br> Refund in the amount of $XXX<br> The XXX% tolerance violation in the amount of $XXX is due to an increase in the Settlement fee and Lender's XXX fee from the XXX to CD; Need evidence of a valid XXX, XXX or proof of refund check to the borrower in the amount of $XXX. | Document Uploaded. ; lender credit given at closing | XXX | Cure package provided to the borrower; exception downgraded to a XXX; A cure of $XXX was provided on the CDs in file which was already applied to the increase in appraisal fee. | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120393 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The closing date per the Purchase Contract is XXX. The closing took place on XXX. Per the Lender's Approval, if the loan closes after XXX a Purchase Contract Extension is required to close on XXX. Provide the Purchase Contract Extension. | Document Uploaded. | XXX | XXX extending closing date has been uploaded, exception resolved. | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120393 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Purchase is not considered to be an XXX | Purchase is not considered to be an Arm's Length Transaction CRSE in the file does not note this exception, however, an note from the XXX Credit Risk department notes this exception and approval is granted with XXX months of reserves. |  |  | Exception granted. | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120393 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120423 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | Per the Clear to Close approval, the contract closing date is listed as XXX XXX, XXX. If the actual closing occurs after this date, all parties are required to execute an extension agreement on or before the closing date. The loan closed on XXX XXX, XXX; however, audit could not locate a copy of the executed extension. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120423 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset General | Audit could not locate the Final Closing Disclosure from XXX (#XXX) for the refinance of XXX, which was expected to net $XXX in proceeds—funds that were required to close on the subject property. | Document Uploaded. | XXX | Final CD for the refinance of XXX property received confirming net proceeds of XXX. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120423 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Verification of Borrower Liabilities Missing or Incomplete | Audit could not locate the Final Closing Disclosure from XXX (#XXX) for the refinance of XXX, which is needed to verify that XXX loan #XXX was paid in full and that the new PITI does not exceed $XXX. | Document Uploaded. | XXX | Final CD for refinance of XXX property received confirming payoff of XXX. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120423 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120423 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120366 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party XXX Prior to Close Missing Guidelines require a verification of existence of business within XXX days of closing. Please provide a VOE dated XXX or later | Document Uploaded. This should clear the other XXX condition as well. Per Info uploaded No XXX Letter is req'd as long as we show proof of ownership and Bwr is the only owner of XXX | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120366 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 XXX Letter Missing | Borrower XXX CPA Letter Missing Guidelines require a CPA letter confirming percentage of ownership. Please provide a XXX letter for review. |  |  | Borrower 1 XXX Letter Provided; Document Uploaded. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120366 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing Borrowers investment property at XXX Lot XXX is missing the tax and insurance statement. Please provide them for review. | Document Uploaded. It's an empty lot of XXX so no insurance to speak of; Document Uploaded. | XXX | Income XXX Months Income Verified is Present Or Not Applicable; Thank you for providing the XXX. We are looking for the taxes and insurance for the XXX XXX. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120366 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120366 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120433 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Acknowledged | XXX | Credit | Borrower 2 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | The XXX Credit Report pull date: (XXX) on the Credit Scores card, as found on the Credit Liabilities page must be inside XXX-days of consummation date: (XXX) on the Note Info card as found on the Note page. Please make appropriate corrections. The gap reports are stale-dated by XXX day and should have been pulled again. |  |  | Lender exception for XXX report dated >XXX days old approved by XXX on XXX. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120433 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Acknowledged | XXX | Credit | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | The XXX Credit Report pull date: (XXX) on the Credit Scores card, as found on the Credit Liabilities page must be inside XXX-days of consummation date: (XXX) on the Note Info card as found on the Note page. Please make appropriate corrections. The XXX reports are stale-dated by XXX day and should have been pulled again. | Document Uploaded. | XXX | Lender exception for XXX report dated >XXX days old approved by XXX on XXX. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120433 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | 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 $XXX.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). XXX cure required:<br> Refund in the amount of $XXX<br> The Appraisal inspection fee was added to the XXX issued XXX; however, per the invoice dated XXX the borrower paid the fee XXX. | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120433 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120535 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing The Business Purpose Affidavit/Disclosure is missing from the file. | Document Uploaded. ; This isnt a XXX. We only need the investment disclosure on XXX, not on other XXX | XXX | Business Purpose Affidavit/Disclosure Provided; A Business Purpose/Cash out letter is required on cash out refinances of XXX to determine if the loan is subject to compliance testing or is exempt. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| 2025120535 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing | Document Uploaded. | XXX | Homeownership Counseling Disclosure Is Present or Not Applicable | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| 2025120535 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | XXX | Required Affiliated Business Disclosure Documentation Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| 2025120535 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product did not provide a CU score. | Document Uploaded. | XXX | Third party valuation product provided within tolerance. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A D C | B D C | B D C | B D C | B D C | B A | A | A | A | A | A |
| 2025120341 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | The Gap Credit Report pull date: (XXX) on the Credit Scores card, as found on the Credit Liabilities page must be inside XXX-days of consummation date: (XXX) on the Note Info card as found on the Note page. Please make appropriate corrections. A XXX report is not required per guidelines. Guidelines state:<br>XXX. credit report is required for each borrower on the loan who will sign the Note. The credit report should provide merged credit information from the three major national credit repositories. A minimum of XXX credit scores is required.<br> The credit report should include verification of all credit references provided on the loan application and must certify the results of public record searches for each city where the borrower has resided in the last XXX (XXX) years. Either a XXX (XXX) XXX merged report or a Residential Mortgage Credit Report (XXX) is required.<br>Credit documents must be no more than XXX-days old on the date the note is signed. |  |  | Exception granted. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120341 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120341 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120341 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120500 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment completed within XXX (XXX) days of the closing. The file is missing the required Verbal Verification of Employment for the business listed as XXX on the Final 1003 that is located in XXX, XXX . Provide a Verbal Verification of Employment completed within XXX days of closing. | Document Uploaded. Uploaded XXX for XXX business. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025120500 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Lenders 1008 P&I payment is calculated using an interest rate of XXX%. The note is calculating the payment using a XXX% interest rate. Please provide an updated 1008 which matches the correct interest rate on the note.<br>Lenders XXX states the file is a XXX month bank statement program. The loan is a XXX month program. Please update and resend for review. | Document Uploaded. Uploaded XXX with program updated to XXX. Uploaded 1008 with rate corrected to XXX%. | XXX | Approval/Underwriting Summary is fully present | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025120500 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(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 XXX 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 XXX 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 XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three XXX days before consummation. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii). The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XXX. | Document Uploaded. Uploaded the initial CD - issued and signed on XXX. | XXX | initial CD provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025120500 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025120426 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Guidelines require a verification of existence of business within XXX days of closing. Please provide a VOE dated XXX or later. | Document Uploaded. Uploaded phone number confirmation lookup.; Document Uploaded. Uploaded XXX. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided; Please provide the phone number and a copy of the internet search used to verify the existence of the XXX (as required per guidelines and form provided). Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120426 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120426 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120334 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120334 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120334 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120375 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or XXX fees for non-subject property | Verification of XXX is missing for the XXX primary residence and all XXX combined investment properties. While costs are listed on the 1003, supporting documentation has not been provided. To resolve this exception, please submit mortgage statements showing payments due as of XXX and/or copies of the promissory notes, property tax bills, hazard insurance premiums (including flood or earthquake coverage if applicable), and HOA dues, if any. | Document Uploaded. ; Document Uploaded. ; Can you please double check as all of this was upld. Thanks | XXX | Document Uploaded. PITIA for all XXX properties received. Condition cleared.; Thank you for providing the PITIA for XXX , XXX, and XXX, however, we are still missing the documentation to verify the PITIA of $XXX for XXX #XXX reflected on the 1003. ; After reviewing the entire loan file again, it does not appear we have any PITIA documentation for any properties owned by either B1 or B2. Please provide PITIA documentation for the following: XXX, XXX #XXX, XXX , and XXX. Thank you. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120375 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The XXX does not list B2. | Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; Lender provided separate XXX for B2. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120375 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120375 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120405 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | The XXX Credit Report pull date: (XXX) on the Credit Scores card, as found on the Credit Liabilities page must be inside XXX-days of consummation date: (XXX) on the Note Info card as found on the Note page. Please make appropriate corrections. The Lender Approval requires a XXX Credit Report to be obtained within XXX days of the closing date. The XXX Credit Report is dated XXX > XXX-days from the XXX closing. Please provide a XXX Credit Reported dated within XXX-days of the closing. | Document Uploaded. | XXX | Lender exception for expired XXX report approved by investor on XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120405 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | 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 $XXX.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). XXX cure required:<br> Refund in the amount of $XXX<br> The XXX tolerance violation in the amount of $XXX is due to an increase in the Appraisal fee from the XXX to CD. The XXX issued XXX does not provide a reason for the increase in the Appraisal fee; Need XXX or proof of refund check to the borrower in the amount of $XXX. | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120405 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% XXX in the file cites the exception for CLTV qualifications of a second home. This exception is approved. |  |  | Acknowledged and downgraded. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120405 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% CRSE in the file cites the exception for HLTV qualifications of a second home. This exception is approved. |  |  | Acknowledged and downgraded. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120405 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% CRSE in the file cites the exception for LTV qualifications of a second home. This exception is approved. |  |  | Acknowledged and downgraded. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120405 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120420 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Acknowledged | XXX | Property | Property has been listed for sale in the past XXX months | The Property was listed from XXX and taken off the market XXX. Per Lenders Guidelines. The Lender requires that the borrower confirm in writing: 1.) The Reason for the prior listing; and 2.) Intent to occupy the subject property. Per the letter in file there is no reason for the listing and it states the plan is to keep the property as an investment property. | Document Uploaded. ; I'm sorry but the Letter states it was listed for Sale, for obvious reason they wanted to sell the property and they explained the property will be an investment property which means they will not occupy the Property | XXX | Exception as granted for property listed for sale in the last XXX months. Compensating factors high credit score, reserves and time of employment ; Per Section XXX if the property was listed within the past XXX months the Borrower must intend to occupy the subject. Since the Borrower is retaining the subject as an XXX they will not occupy the subject, therefore, does not meet the guideline and is ineligible. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120420 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120536 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120536 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120536 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120532 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract closing date is XXX. The Approval requires an executed Purchase Contract Extension. Provide an executed Purchase Contract Extension to XXX. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120532 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120532 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120532 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Purchase is not considered to be an XXX | Purchase is not considered to be an Arm's Length Transaction XXX in the file cites this exception and approval is granted on XXX. Exception Type-Other-Program. Guideline-XXX Not Allowed, Actual-XXX allowed with following-Pay history from current owner to show XXX. Rational - CDA to Document Value XXX. Pay history to verify not a distressed sale. |  |  | Exception acknowledged, downgraded. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120424 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | 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). HOI coverage amount is $XXX with no extended coverage and the loan amount is $XXX | Document Uploaded. ; Document Uploaded. | XXX | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; Please provide replacement cost estimator that reflects $XXX. Thank you. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | D | A D C | D C A | D C A | D C A | D C A | D B A | A B | A B | A B | A B | A |
| 2025120424 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing XXX Closing Statement | According to the Clear to Close document, the borrower has multiple files closing with XXX. However, the Final Closing Disclosure for loan number #XXX has not been provided. Once received, the audit team will review it to determine whether a recalculation of the DTI is necessary. | Document Uploaded. The refinance for borrower's primary residence is still in process however has not closed yet. The loan is a rate/term refinance which is LOWERING the P&I payment. So the closing of this loan does not negatively affect the cash out refi of borr's investment property (this subject). I have uploaded a copy of the UW approval showing it is a rate/term and also the 1008/1003 showing the new P&I payment. I've also included a copy of the current mtg stmt so you can easily reference that the P&I will be going down. Please waive this finding. Thanks!; This loan did not close. Can you please advise whatelse is needed to clear? thanks | XXX | Borrower is in the process of refinancing their primary residence, however, the loan has not yet closed. The proposed payment is lower than the current payment. Higher payment was used to qualify. Condition cleared.; Please provide the documentation to confirm the loan was canceled or withdrawn. Thank you. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | D | A D C | D C A | D C A | D C A | D C A | D B A | A B | A B | A B | A B | A |
| 2025120424 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | XXX Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Additionally, the XXX commitment expired on XXX per the clear to close document datedXXX. | Document Uploaded. | XXX | Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | D | A D C | D C A | D C A | D C A | D C A | D B A | A B | A B | A B | A B | A |
| 2025120424 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | D | A D C | D C A | D C A | D C A | D C A | D B A | A B | A B | A B | A B | A |
| 2025120424 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Cash Out Does Not Meet Guideline Requirements | Cash Out Does Not Meet Guideline Requirements Qualifying credit score is XXX, DTI XXX/XXX, Borrower w/employer for XXX+ years, reserves of XXX months, residual income of $XXX, credit history XXX based on exception approval in file. |  |  | Exception acknowledged, downgraded. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | D | A D C | D C A | D C A | D C A | D C A | D B A | A B | A B | A B | A B | A |
| 2025120397 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120397 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120397 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120352 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | XXX is Incomplete | HOA Questionnaire incomplete The HOA Questionnaire is not fully completed. Section number II question XXX, Section #XXX, question #XXX, Section XXX, question XXX, Section XXX, Questions XXX and XXX, Section XXX, questions XXX and XXX, Building Safety, Soundness, Structural Integrity and Habitability questions XXX - XXX. Provide a complete HOA Questionnaire. | Document Uploaded. | XXX | XXX Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025120352 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025120352 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025120517 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower does not meet residual income requirement | Residual income of $XXX does not meet guideline minimum of $XXX. XXX report received dated XXX reflects Borrower opened up a new Sheffield personal installment loan in XXX XXX with a payment of $XXX per month. Including that new loan resulted in a residual income of less than $XXX as required per guidelines. | Document Uploaded. | XXX | Updated Settlement Statement provided reflected new loan was paid at time of loan disbursement. Residual Income meets guideline minimum. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2025120517 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | The XXX Credit Report pull date: (XXX) on the Credit Scores card, as found on the Credit Liabilities page must be inside XXX-days of consummation date: (XXX) on the Note Info card as found on the Note page. Please make appropriate corrections. The Lender requires a XXX Credit Report be pulled within XXX-days of the closing date. The XXX Credit Report in the file is over XXX-days old. Provide a XXX Credit Report that is dated within XXX-days of the closing date. | Document Uploaded. ; Document Uploaded. | XXX | Borrower 1 XXX Credit Report is not expired.; The XXX report dated XXX was XXX days old as of Note dated XXX. Please provide a XXX report dated within XXX days of closing. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2025120517 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% XXX report received dated XXX reflects Borrower opened up a new Sheffield personal installment loan in XXX XXX with a payment of $XXX per month. Including that new loan increased the DTI from XXX% to XXX%. | Document Uploaded. | XXX | Updated Settlement Statement provided reflected new loan was paid at time of loan disbursement. Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2025120517 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | 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 $XXX.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). XXX Cure Required. Refund in the amount of $XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX on XXX XXX to $XXX on CD XXX for Transfer Taxes. A XXX is required to determine if this was a valid change. | Document Uploaded. | XXX | Valid XXX provided; Exception resolved; Valid XXX provided; Exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2025120517 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2025120517 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide the Affiliated Business Disclosure dated within XXX business days of application XXX or documentation confirming XXXhas no affiliates. | Document Uploaded. | XXX | Required Affiliated Business Disclosure Documentation Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2025120517 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Provide the Homeownership Counseling Disclosure dated within XXX business day of application. The Disclosure Summary confirms it was sent, but the actual disclosure is missing. | Document Uploaded. | XXX | Homeownership Counseling Disclosure Is Present or Not Applicable | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2025120517 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2025120517 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Property Title Issue | Property Title Issue Judgement on Title. XXX in the file cites this exception and approval is granted. |  |  | Exception acknowledged, downgraded. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2025120370 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | Per the lender's Clear to Close document, the contract closing date is listed as XXX. If the actual closing occurs after this date, a fully executed extension must be executed at or prior to closing. The subject loan closed on XXX; however, the audit team was unable to locate a copy of the required extension. |  |  | Exception resolved. Although contract expired at time of closing, loan closed/funded with no recourse from either party and borrower executed Note, XXX, XXX, etc. ; | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 2025120370 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The lender's conditional approval, CRSE, and lock indicate the loan is structured as a XXX-month bank statement program; however, only XXX months of bank statements have been provided. Please either submit an updated CRSE reflecting a XXX-month bank statement loan or provide the additional XXX months of bank statements along with an updated income calculation worksheet to allow for reconciliation. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 2025120370 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 2025120492 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 XXX Letter Missing | Borrower 1 CPA Letter Missing Loan documents have a certificate of organization which lists the borrower as the organizer of the LLC. This is insufficient to verify ownership of an LLC. Guidelines require a CPA letter confirming percentage of ownership. | Document Uploaded. I am providing a XXX report for the business. It only shows XXX officer, our borrower. This confirms she is the XXX. | XXX | Borrower 1 XXX Letter Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025120492 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Lenders 1003 and 1008 are showing assets that are not in the file. Please send asset statements for XXX and XXX for review, or adjust the 1003/1008 by removing the assets from the documents. | Document Uploaded. I removed the assets. Only using cash out for reserves. Uploaded 1008, 1003, and XXX. | XXX | Approval/Underwriting Summary is fully present | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025120492 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | The Initial CD was not received prior to XXX days of consummation. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(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 XXX 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 XXX 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 XXX 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. Initial CD was emailed to borr on XXX and borr viewed it the same day. Please see copy of initial CD with XXX and screenshot from our XXX showing when she viewed it. | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025120492 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | Documentation required: Provide revised XXX, Initial and revised CD and all applicable XXX for testing. 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 $XXX.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). | Document Uploaded. Please see the initial CD uploaded which also includes the XXX. Please review. thank you! | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025120492 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025120340 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% 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 XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). XXX Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX% tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Notary Fee and $XXX to $XXX for the Settlement/Closing fee from XXX XXX to CD XXX. There was a COC dated XXX but it was blank. The XXX dated XXX was not accepted because it was XXX days after the increase and it didn't provide an expectable reason for the increase. Provide a XXX dated on XXX or within XXX days with a specific reason for the increase in fees. | Document Uploaded. Uploaded all cure docs. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120340 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Provide the XXX Credit score disclosure dated within XXX business days of application XXX. | Document Uploaded. Uploaded credit score disclosure. | XXX | XXX Credit Score Disclosure is provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120340 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120340 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120403 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | Closing date on purchase contract is XXX, however, the loan closed on XXX and there is no extension in the loan file. |  |  | Exception resolved. Although contract expired at time of closing, loan closed/funded with no recourse from either party and borrower executed Note, XXX, XXX, etc. ; | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025120403 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025120501 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract expired XXX. The loan closed XXX. The Lender Approval requires an executed Purchase Contract Extension if the loan closes after XXX. Provide the required Purchase Contract Extension. | We've been instructed you will waive the findings for contract extension. Thank you!; Document Uploaded. | XXX | Per XXX, okay to resolve post finalization without receipt of extension. Condition cleared.; Please provide the purchase contract extension. The contract expired XXX, subject loan closed XXX. Thank you. | XXX | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120501 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The file is missing the origination credit report. The only credit report in the file is the XXX-day credit report dated XXX. Provide a copy of the origination credit report for additional review. | Document Uploaded. | XXX | Borrower 1 Credit Report is not partially present. | XXX | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120501 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX Compliant |  |  | Informational | XXX | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120501 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120353 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XXX is after the Disbursement Date of XXX. Hazard Insurance Effective Date of XXX is after the Disbursement Date of XXX. | Document Uploaded. ; Document Uploaded. | XXX | Lender Attestation received confirming no claims on policy between Note date and Effective date. Condition cleared.; Please provide the property address and policy number in the attestation. Thank you in advance. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120353 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | Documentation require: The file contains a XXX dated XXX which would be valid for a lender Credit From decrease, however a disclosure is missing that is dated within XXX days of the XXX. It appears there was an XXX provided to the borrower on XXX but it was not provided in file. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.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). | Document Uploaded. | XXX | valid XXX with applicable disclosure provided; Exception resolved; valid XXX with applicable disclosure provided; Exception resolved | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120353 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120368 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The file is missing a verbal verification of employment for the Borrower, as required by the guidelines, within XXX days of closing for wage earners. | Document Uploaded. ; Document Uploaded. | XXX | Borrower 1 3rd Party XXX Prior to Close Was Provided; The Borrower is an employee of XXX vs. the owner, therefore, the XXX for her employer cannot be used. Please provide the XXX dated within XXX days of closing confirming the Borrower was still employed with XXX Logistics. Thank you. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120368 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120368 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120512 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete The Purchase Contract expiration date is XXX and the loan closed XXX. The Lender's Approval requires a Purchase Contract Extension if the loan closes after the expiration date. Provide a copy of the Purchase Contract Extension to XXX. | Document Uploaded. | XXX | Purchase Contract Doc is complete. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025120512 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025120512 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025120376 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or XXX fees for non-subject property | The Final 1003 reflects the borrower has XXX XXX properties. The file is missing proof of insurance and HOA payments. Provide proof of insurance and HOA payments. If there are no HOA payments, a statement executed by the borrower is required that states there are no HOA payments. | Document Uploaded. Uploaded ins and XXX for both properties. | XXX | XXX and XXX dues for rental properties received and supports amount used to qualify. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120376 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120376 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120385 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Missing Letter of Explanation (Income) | Audit could not locate a letter of explanation for the declining income from XXX to XXX. Per lenders guides section XXX, an explanation for the decline should be obtained from the borrower. | Document Uploaded. Uploaded XXX with exception for lack of XXX. | XXX | Lender exception for missing XXX regarding declining income approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120385 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The 1008/CRSE reflects an XXX account with a balance of $XXX and a monthly payment of $XXX. However, according to the credit report, the balance is $XXX, the monthly payment is $XXX, and the credit limit is $XXX. The lender to provide documentation supporting the $XXX monthly payment or submit an updated 1008/CRSE reflecting accurate information. | Uploaded docs to other duplicate finding. | XXX | Approval/Underwriting Summary is fully present | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120385 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The 1008/CRSE reflects an XXX account with a balance of $XXX and a monthly payment of $XXX. However, according to the credit report, the balance is $XXX, the monthly payment is $XXX, and the credit limit is $XXX. The lender to provide documentation supporting the $XXX monthly payment or submit an updated 1008/CRSE reflecting accurate information. | Document Uploaded. Corrected payment to $XXX. Uploaded 1008, 1003, and XXX. | XXX | The Final 1003 is Present | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120385 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Audit could not locate verification of the existence of the borrowers businesses (XXX & XXX) dated within XXX (XXX) days of closing. | Document Uploaded. Uploaded XXX for both businesses. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120385 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120385 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120289 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Borrowers 1003 states borrower has rented a property at XXX for XXX months. Please provide verification of rent for this property. | Borr sold her previous residence at XXX on XXX which was only about XXX month from the closing date of the subject transaction. The credit report documents a mortgage history from XXX. The XXX month XXX is inconsequential. I am requesting you to waive this condition. | XXX | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120289 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements The borrower has a credit card charge off with XXX/XXX on XXX. The XXX requirement for Credit History-No Collection/Charge offs/Judgments in last XXX months. The file contains an explanation from the borrower in reference to the charge off stating it belongs to the co-owner of the account and that person filed for bankruptcy. She attempted to pay the account but the credit card company would not accept the payment. The borrower's credit history does not meet the lender's XXX requirement. | Document Uploaded. Uploaded XXX for exception. | XXX | Delinquent Credit History Does Not Meet Guideline Requirements A lender exception was granted for XXX account with XXX within the last XXX months. Compensating factors listed Length of employment, reduced living expense with transaction, reserves of XXX months, good residual income | XXX | Borrower has stable job time - Borrower has XXX years on job. D C A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120289 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120289 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120372 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Audit could not locate verification of the existence of the borrowers businesses dated within XXX (XXX) days of closing. | Document Uploaded. Uploaded XXX. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120372 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120331 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 XXX Letter Missing | Borrower 1 CPA Letter Missing The CPA letter is dated XXX> XXX days days from the XXX closing days. It exceeds the XXX credit document age allowance per Lender Guidelines. Provide confirmation of the busines current existence, ownership percentage and proof the business is still active. | Document Uploaded. Uploaded XXX reports - shows borr is the owner. This supports the aged XXX letter. | XXX | Current XXX with outdated XXX letter is sufficient to confirm percentage of ownership. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120331 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The file is missing verification of the existence of the Borrower's business, as required by guidelines, within XXX calendar days prior to the note date by both: a third party, such as a CPA, regulatory agency, or the applicable licensing bureau, or a phone listing and address verified for the borrower's business using a telephone book, the internet, or directory assistance. | Document Uploaded. Uploaded XXX - confirms business is active. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120331 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120331 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120348 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment completed within XXX (XXX) days of the closing. The file is missing the required Verbal Verification of Employment. Provide a Verbal Verification of Employment completed within XXX days of closing. | Document Uploaded. Uploaded XXX. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120348 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120348 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120274 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Property | Ineligible Property | As noted in the conditional approval, the subject property is classified as a non-warrantable XXX. Per the XXX dated XXX XXX, XXX, non-warrantable condominiums are not eligible. | Document Uploaded. | XXX | Lender exception for XXX approved by investor on XXX. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120274 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120274 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120333 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Documentation Required- Credit Score Disclosure (XXX) | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120333 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120333 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120414 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or XXX fees for non-subject property | The file is missing verification of the taxes, insurance, HOA payment and rental income, as stated on the Final 1003, for the Borrower's property on XXX. | Document Uploaded. | XXX | PITIA and proof of rental income received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120414 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX Compliant |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120414 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120440 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or XXX fees for non-subject property | Audit could not locate verification of the borrowers HOA dues not to exceed $XXX for the borrowers primary residence located on XXX. | Document Uploaded. Uploaded XXX and supporting docs. | XXX | Borrower primary residence is XXX. XXX dues for a property in same XXX/XXX confirms $XXX/mo. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120440 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120360 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The Bank Statement Questionnaire is incomplete—specifically, the Operating Details section has not been filled out. | Document Uploaded. Uploaded the XXX. The operating details are filled out so let me know if you still don't see them. | XXX | Complete Bank Statement XXX received. Income and Employment Meet Guidelines. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120360 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX compliant |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120360 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120250 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. File is missing the credit report from XXX | Document Uploaded. Uploaded XXX report used for qualifying. | XXX | Borrower 1 Credit Report is not partially present. | XXX | Borrower has stable job time - Borrower has XXX years on job. D A C | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025120250 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party XXX Prior to Close Missing Guidelines require a verification of existence of business within XXX days of closing. Please provide a XXX dated XXX or later. | Document Uploaded. Uploaded XXX - dated lower left corner. | XXX | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025120250 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Documentation required- Credit Score Disclosure (XXX) | Document Uploaded. Uploaded disclosures. | XXX | XXX Credit Score Disclosure is provided. | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025120250 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025120250 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX compliant |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025120327 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Compliance | Closing Disclosure is Not Executed | There's no evidence the CD issued XXX was received prior to closing/consummation dated XXX in the loan file. | Per the closing manager, that CD dated XXX was a post consummation closing disclosure and a signature is not required. | XXX | An executed CD is not required; Exception resolved | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120327 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120327 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120374 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120374 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120543 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Buy Down Buy Up Disclosure Is Partially Provided | The buy down buy up agreement is partial The final, executed Buydown Agreement is not in the file | Document Uploaded. | XXX | Duplicate exception. XXX Agreement docs received. Condition cleared.; Duplicate exception. XXX Agreement docs received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025120543 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Buydown Agreement Missing or Partially Provided | The final, executed Buydown Agreement is not in the file Buydown Agreement Missing or Partially Provided. | Document Uploaded. | XXX | XXX Agreement Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025120543 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing VVOE dated within XXX days consummation | The only XXX in file is dated XXX | Document Uploaded. | XXX | Reverification confirming Borrower's business is still active received. Condition resolved. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025120543 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Final 1003 is Missing | The Final 1003 is Missing Final 1003 was not found in the produced file | Document Uploaded. | XXX | The Final 1003 is Present | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025120543 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025120529 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). The Acknowledgment of receipt of appraisal report disclosure does not specifiy if the borrower waived the XXX day waiting period or if they received the report a minimum of XXX business days prior to closing. Please provide confirmation the borrower received the report in a XXX. | Document Uploaded. ; Document Uploaded. | XXX | Evidence of appraisal delivery provided.; The XXX certificate shows a delivery date but doesnt indicated if the date was delivered to the borrower or the lender | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120529 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | 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 $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The initial Loan Estimate was not provided which sets the baseline, therefore testing could not be completed. Please provide the initial Loan Estimate so we can test properly. | Document Uploaded. | XXX | Initial XXX provided; exception resolved; Initial XXX provided; exception resolved | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120529 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). The initial Loan Estimate was not provided which sets the baseline, therefore testing could not be completed. Please provide the initial Loan Estimate so we can test properly. | Document Uploaded. | XXX | Initial XXX provided; exception resolved; Initial XXX provided; exception resolved | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120529 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on XXX As not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the XXX business day after the creditor receives the consumer's application. The loan file contained an initial loan application, dated XXX. The initial and only Loan Estimate was sent out on XXX. This is outside the required XXX business day delivery date. Please provide the Loan Estimate dated within XXX business days of application XXX. | Document Uploaded. | XXX | Initial XXX provided; exception resolved; Initial XXX provided; exception resolved | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120529 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120529 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120319 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The Lender requires evidence of the $XXX gift fund wire. The file is missing proof of the wire transfer. | Document Uploaded. | XXX | Gift wire received and matches documentation in file. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120319 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120319 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120497 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Borrower 1 XXX Credit Report is Missing | Borrower 1 XXX Credit Report is Missing The Lender requires a XXX Credit Report dated within XXX-days of the closing. Provide the required XXX Credit Report dated within XXX-days of the closing. | Document Uploaded. | XXX | Lender exception for XXX report greater than XXX days from the the note date (which was the origination credit report dated XXX-no actual XXX report obtained) approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120497 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120497 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX Rate Spread Home Loan Test | XXX compliant This loan failed the XXX rate spread home loan test.<br> (XXX)The loan is a XXX, as defined in the legislation. For more information please see the XXX section of the full ComplianceAnalyzer report.While the XXX provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and XXX may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120497 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120439 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120439 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120439 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120293 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120293 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120293 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120413 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or XXX fees for non-subject property | Audit was unable to locate the current mortgage statement for the departing property located on XXX to confirm payment includes PITI. The mortgage was originally with XXX but appears to have been sold or transferred to another lender, as indicated by the credit report. | Document Uploaded. | XXX | Mortgage statement received and confirms payment and XXX of taxes of insurance used to qualify. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120413 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120413 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120443 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Expired | Borrower 1 Credit Report is Expired (Greater than XXX days from the Closing Date). Broker credit report is dated XXX and is expired. The XXX XXX-day reflects an updated credit report was obtained on XXX. Please provide updated credit report for additional review.  | Document Uploaded. Uploaded the credit report.; Document Uploaded. ; Document Uploaded. | XXX | Borrower 1 Credit Report is not Expired.; This is the XXX/comparison report. Please provide the tri-merged credit report dated XXX. Thank you.; Incorrect Borrower credit report attached. Please provide correct Borrower credit report for review. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum<br> Original LTV is Below the Guideline Maximum<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2025120443 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 Credit Report is Expired | Borrower 2 Credit Report is Expired (Greater than XXX days from the Closing Date). Broker credit report is dated XXX and is expired. The XXX XXX-day reflects an updated credit report was obtained on XXX. Please provide updated credit report for additional review. <br>| Uploaded the credit report to the other finding. thanks!; Document Uploaded. | XXX | Borrower 2 Credit Report is not Expired.; This is the XXX/comparison report. Please provide the tri-merged credit report dated XXX. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum<br> Original LTV is Below the Guideline Maximum<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2025120443 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | The initial CD issued on XXX is missing from the loan file. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(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 XXX 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 XXX 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 XXX 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. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum<br> Original LTV is Below the Guideline Maximum<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2025120443 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Payment shock exceeds guideline | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. The actual Payment Shock is XXX% which exceeds the Lender GL maximum of XXX%. | Document Uploaded. | XXX | Lender exception for XXX% payment shock greater than max XXX% approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum<br> Original LTV is Below the Guideline Maximum<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2025120443 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum<br> Original LTV is Below the Guideline Maximum<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2025120236 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The Electronic Consent document is missing. The initial XXX is e-signed. | Document Uploaded. | XXX | Evidence of eConsent is provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120236 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120236 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120361 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The initial Electronic Consent is missing. The initial XXX was e-signed XXX however, the earliest eConsent disclosure is XXX. | Document Uploaded. | XXX | Evidence of eConsent is provided. | XXX | Qualifying DTI below max allowed. - <br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120361 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The 1008 attributes the losses from the Schedule C business to B1. Per the tax returns, that business is run by B2. | Document Uploaded. | XXX | Approval/Underwriting Summary is fully present | XXX | Qualifying DTI below max allowed. - <br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120361 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying DTI below max allowed. - <br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120399 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing Borrowers investment property is missing the PITI and HOA documents to fully determine the income/expense for the property. Please provide all liability documents for the XXX property for review. | Document Uploaded. Uploaded XXX detailing this property is owned free and clear. The fraud report in the file shows she purchased the property and no lien was taken out.; Document Uploaded. no mtg on XXX ; Document Uploaded. | XXX | Current fraud report confirms no open liens. Taxes, XXX, and XXX documented. Condition resolved.; Thank you for providing the XXX and XXX for XXX . We are unable to use XXX as evidence a property is owned free and clear. Please provide a property report to confirm no open mortgage liens. Thank you.; Thank you for providing the tax bill for XXX Unit XXX. Please provide the documentation to verify the XXX, XXX, and evidence owned free and clear. Thank you. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120399 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Purchase Contract is Expired | The Purchase Contract expired XXX. The loan closed on XXX. The Lender requires an executed Purchase Contract Extension Addendum, extending the contract to XXX. |  |  | Per Investor they will purchase as is because all parties executed the closing documents. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120399 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120399 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120351 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The final 1003 indicates that B2 is unmarried. The Mortgage Deed vests the subject property to B1 and B2 as husband and wife. Please provide proof of B2's marital status and corrected documentation based on B2's marital status. | Document Uploaded. | XXX | The Final 1003 is Present | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120351 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120351 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Borrower has a collection account on the XXX within the past XXX months. Guideline requirements state No Collection with the last XXX months. Actual-Collection Account XXX. Rationale-Collection amount is less than $XXX and borrower has the funds. Granted by the Lender on XXX. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120526 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Lender has affiliates per Privacy Policy. The XXX is missing. The XXX in the loan file is for the seller (XXX), not the lender. | Document Uploaded. | XXX | Required Affiliated Business Disclosure Documentation Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120526 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120526 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120520 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Audit could not locate verification of the existence of the borrowers businesses (XXX and Creative Resource Services) dated within XXX (XXX) days of closing. State printouts in file dated XXX - loan closed XXX. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120520 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Per the XXX dated XXX, the mortgage history requirement is XXX. However, audit was only able to verify four months of mortgage history for the borrower's primary residence on the credit report. According to the fraud report, the borrowers have owned the property since XXX. No additional mortgage history was found on the credit report, with the most recent reporting dated XXX, nor was documentation provided to confirm if the property was owned free and clear. | Document Uploaded. | XXX | Housing History Meets Guideline Requirements | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120520 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120520 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120482 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing Certificate of Occupancy | The Clear to Close Loan Approval required a copy of the final Certificate of Occupancy for the subject new construction property. The loan file did not contain a copy. Please provide a copy of the final Certificate of Occupancy. | Document Uploaded. ; Document Uploaded. | XXX | Certificate of Occupancy/XXX Permit provided. Final Appraisal in file also confirms complete and in As Is condition. Guidelines do not require a separate XXX. Condition resolved.; Please provide the certificate of occupancy from the XXX/XXX XXX as required per the XXX (document provided is the occupancy affidavit from the Borrower). | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120482 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract has an expiration date of XXX. The loan closed XXX. The approval reflects the expiration date of the contract is XXX, but the file does not contain the Purchase Contract Extension toXXX. Provide a copy of the Purchase Contract Extension to 8/29/2025. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120482 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX Rate Spread Home Loan Test | XXX compliant This loan failed the XXX rate spread home loan test.<br> (XXX)The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX section of the full ComplianceAnalyzer report.While the XXX provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and XXX may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120482 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120482 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120407 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 2025120407 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 2025120407 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited Loan Amount of $XXX is less than the Guideline Minimum Loan Amount of $XXX Audited loan of $XXX is less than the Guideline minimum loan amount of $XXX. CRSE approved exception to guidelines. Exception Type-Loan Amount, Guideline-Loan Amount $XXX-$XXX million-XXX, Actual-Loan Amount $XXX. Rationale-Exception granted to proceed with loan amount of $XXX. Approved by Lender on XXX. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 2025120484 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Lender requires a Verbal VOE within XXX days prior to closing. Provide a Verbal VOE within XXX days of closing. | Document Uploaded. Uploaded XXX. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120484 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Purchase Contract is Expired | The Purchase Contract expiration date is XXX. The loan closed XXX. Provide and executed Purchase Contract Extension to XXX. | I've been told this will be waived. | XXX | Per Investor they will purchase as is because all parties executed the closing documents. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120484 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120484 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120296 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The lender has listed an incorrect sales price on the 1008/CRSE. Please provide a corrected version reflecting the accurate purchase price of $XXX (vs. $XXX), which corresponds to an LTV of XXX%. | Document Uploaded. Uploaded 1008 and XXX reflecting an LTV of XXX%.; Document Uploaded. We did a $XXX principal reduction to keep the LTV at XXX%. Please see the XXX and wire confirmation for the principal reduction payment. | XXX | Approval/Underwriting Summary is fully present; After escalating to XXX, we are unable to accept a principal reduction completed post-closing to recalculate an LTV due to the original loan amount is still the amount disclosed on the Note and the actual amount of the loan. Please provide a corrected 1008 and XXX reflecting the accurate purchase price of $XXX (vs. $XXX) with an LTV of XXX%. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - <br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120296 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | Per the lender's Clear to Close document, the contract closing date is listed as XXX. If the actual closing occurs after this date, a fully executed extension must be executed at or prior to closing. The subject loan closed on XXX; however, the audit team was unable to locate a copy of the required extension. | Document Uploaded. Hi, I'm following up on this. I tried to obtain the contract addendum but the XXX has confirmed that there wasn't one signed and the XXX did not require it. Can you please clear this finding without a downgrade since it wasn't required by title?; I have been told you will waive this finding. | XXX | Per XXX, okay to resolve post finalization without additional documentation. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - <br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120296 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Documentation Required- Credit Score Disclosure (XXX) | Document Uploaded. Uploaded credit score disclosure. | XXX | XXX Credit Score Disclosure is provided. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - <br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120296 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - <br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120296 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - <br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120387 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120387 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120387 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120255 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120255 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120255 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120335 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Purchase Contract is Expired | The Purchase Contract Expiration date is XXX. The Loan closed XXX. Provide an executed Purchase Contract Extension to XXX. | I have been told you will waive this finding. | XXX | Per Investor they will purchase as is because all parties executed the closing documents. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120335 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120335 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120270 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120270 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120270 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120326 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120326 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120326 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120240 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  |  | XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120240 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120240 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120299 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Lenders 1003 is listing the asset accounts XXX as XXX Savings creating an overstated asset amount of $XXX | Document Uploaded. | XXX | Corrected 1003, 1008, and XXX reflecting revised assets received. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025120299 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025120299 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025120475 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete |  |  | XXX |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120476 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete |  |  | XXX |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120268 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120329 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX requirements met. | Is there anything I need to provide to get this finding cleared? | XXX | ; Material Exception; XXX Compliant; XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120329 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Purchase Contract is Expired | The Purchase Contract Expiration date is XXX. The transaction closed XXX. Provide a Purchase Contract Extension to XXX. |  |  | Per Investor they will purchase as is because all parties executed the closing documents. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120286 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The Lender requires a fully executed XXX from the sale of the XXX. The XXX in file are not executed. Provide a fully executed XXX from the sale of the XXX. | Document Uploaded. ; Document Uploaded. Uploaded signed CD. | XXX | Asset Qualification Meets Guideline Requirements | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120286 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. | Is there anything I need to do to get this finding cleared? | XXX | ; Material Exception; XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120286 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120304 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The required XXX in the loan file was not fully-executed. The form was not signed and dated by the Borrower. Please provide a fully-executed Business Questionnaire. | Document Uploaded. Uploaded XXX for unsigned XXX. | XXX | Lender exception for XXX approved by investor on XXX. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120304 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120258 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% 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 XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid XXX. The Title fees (borrower did not shop for) increased on the CD issued XXX without a valid reason and the Mortgage recording fee increased on the CD issued XXX without a valid reason. | Document Uploaded. Uploaded all cure docs. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120258 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XXX is after the Disbursement Date of XXX. The Homeowners Insurance Binder Proof of Insurance and the XXX show the policy effective date as XXX. Please provide evidence of property insurance as of XXX, which was the loan Disbursement date. | Document Uploaded. Uploaded dec page with updated effective date. | XXX | Hazard Insurance Effective Date of XXX is prior to or equal to the Disbursement Date of XXX Or Hazard Insurance Effective Date Is Not Provided. Copy of XXX page provided and shows the XXX period. Cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120258 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120480 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | There's no evidence of the initial CD issued XXX in the loan file. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(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 XXX 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 XXX 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 XXX 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. Disclosure tracking provided | XXX | Initial CD with receipt date provided; Exception resolved; Initial CD with receipt date provided; Exception resolved; Disclosure tracking provided but it is still missing a copy of the CD, The final only contains the final CD dated XXX | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120480 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120480 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120214 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Property | Property Type does not meet eligibility requirement(s) | A non-warrantable XXX is not eligible for the lender's XXX per guidelines. | Document Uploaded. XXX provided to waive this condition. | XXX | Lender exception for XXX approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C B | A C B | A C B | A C B | A C B | A B | A B | A B | A B | A B | A |
| 2025120214 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | Per the lender's Clear to Close document, the contract closing date is listed as XXX. If the actual closing occurs after this date, a fully executed extension must be executed at or prior to closing. The subject loan closed on XXX; however, the audit team was unable to locate a copy of the required extension. | We have been advised exceptions for expired contracts would be waived by the review team. | XXX | Per XXX contract extensions not required and can be resolved post finalization. Condition cleared.; Material Exception | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C B | A C B | A C B | A C B | A C B | A B | A B | A B | A B | A B | A |
| 2025120225 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing Trust Agreement | Missing XXX A Certification of XXX Family Trust found in the loan file and signed by B1 and B2 is missing notarization. A copy of the Trust is missing. Provide a copy of the trust and notarized Certificate of Trust as required per the Loan approval and Lender guidelines. | Document Uploaded. | XXX | Trust Agreement Meets Guideline Requirements | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120225 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Provide Fraud Report with all high alerts cleared and documentation used to clear high alerts | Document Uploaded. | XXX | All Fraud Report Alerts have been cleared or None Exist. Received a copy of the XXX showing no matches found. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120225 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Provide XXX for B2 dated within XXX days prior to the note. | Document Uploaded. | XXX | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX). Received an updated VOE dated XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120225 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Rescinded | XXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Provide documentation to support rent loss coverage not found in the loan file. | Please advise which section of the portfolio guidelines this is requirement is listed in. | XXX | Loss of use coverage listed on policy. Guides do not indicate rent loss is a requirement. Condition rescinded. | XXX | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120225 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120315 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Per the lender matrix dated XXX for the XXX, collections, charge-offs, and judgments within the past XXX months are permitted but must be paid off. Audit was unable to verify that the $XXX collection account with XXX was paid off prior to or at closing. | the $XXX/Comenity-Vicsecremc to be paid prior to or at closing, because the borrower had sufficient reserves from the cash-out transaction to cover all collections above and beyond the reserve requirement also noted on guidelines. Guideline XXX | XXX | Section XXX of guidelines indicate verification of funds sufficient to satisfy the obligation is allowed. Borrower had sufficient reserves/asset to cover the $XXX collection/charge off. Condition rescinded. | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120315 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120256 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Guidelines require a verification of existence of business within XXX days of closing. Please provide a XXX dated XXX or later. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120256 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Borrower 1 XXX Letter Missing | Borrower 1 CPA Letter Missing CPA letter provided, however it is not dated. | Document Uploaded. | XXX | XXX Letter is dated XXX yet formatted as XXX. XXX letter was also attached to P&L signed by XXX and dated XXX (XXX). Condition rescinded. | XXX | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120256 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120256 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120313 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | There's no evidence of the initial CD issued XXX in the loan file. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(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 XXX 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 XXX 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 XXX 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 initial CD issued XXX. | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 2025120313 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% The Maximum LTV per Matrix is XXX%. Due to declining value shown on appraisal, the LTV is reduced by XXX%, from a maximum of XXX% to XXX%. It was noted by the underwriter on the 1008. The file does not contain an exception. | Document Uploaded. Uploaded XXX. | XXX | Lender exception for XXX% LTV on a XXX in a declining market approved by investor on XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 2025120313 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% The Maximum HLTV per XXX is XXX%. Due to declining value shown on appraisal, the HLTV is reduced by XXX%, from a maximum of XXX% to XXX%. It was noted by the underwriter on the 1008. The file does not contain an exception. | XXX uploaded on other findings. | XXX | Lender exception for XXX% HCLTV on a XXX in a declining market approved by investor on XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 2025120313 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% The Maximum CLTV per XXX is XXX%. Due to declining value shown on appraisal, the CLTV is reduced by XXX%, from a maximum of XXX% to XXX%. It was noted by the underwriter on the 1008. The file does not contain an exception. | Document Uploaded. Uploaded XXX for LTV exception due to declining market. | XXX | Lender exception for XXX% CLTV on a XXX in a declining market approved by investor on XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 2025120313 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party XXX Prior to Close Missing The Lender requires a Verbal Verification of Employment to be completed within XXX days of the closing date. The file is missing the required XXX day Verbal Verification of Employment. | Document Uploaded. Uploaded VVOE. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 2025120410 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing proof of the $XXX monthly Lease payment per the Lease with Purchase Option. The file contains a payment history for the seller that support the timely payment but does provide proof of who is making the payments. Provide proof of residential pay history XXX. | We have XXX months of pay history from the XXX account from XXX through XXX. We have the mortgage statement showing the XXX payment was made on XXX. Can we please consider the XXX as documented as paid? If we have the previous XXX months out of borr's bank account, there are no XXX that the borrs wouldn't have made the XXX pmt as well. Thank you!; The borrowers are making the seller's mortgage payments with XXX. See the XXX months personal bank stmts used for income which also show the mortgage payment made each month. The payments vary but are around the $XXX amount. | XXX | Housing History Meets Guideline Requirements. Reviewed the documentation based on the below explanation and confirm this is sufficient. Cleared.; Thank you for providing clarification regarding the payment history. Based on the documentation provided, it appears the next payment due was XXX yet the subject loan closed XXX. Please provide an updated payment history to confirm no more than XXX. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120410 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, XXX, Copy of Refund Check, and Proof of Delivery or Valid XXX. The Appraisal fee increased on the CD issued XXX without a valid reason. Per the Invoice dated XXX, the Rush fee was added XXX. | Document Uploaded. Uploaded all cure docs. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120410 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The borrower's Final 1003 reflects he has been living at the subject property for over XXX years and that he owns the property. Section 3: Financial Information- Real Estate does not list the property. The borrower's does not provide a monthly payment amount which per Lease with Purchase Option is $XXX. The Fraud Report reflects the property located at XXX has a mortgage that was originated on XXX, the Final 1003 shows that property is Free and Clear. Provide an accurate and executed Final 1003 that includes B1's current housing payment amount and corrected the mortgage information for property XXX. Remove the mortgage payment from the Liabilities - Credit Cards, Other Debt, and Leases that you XXX. | Document Uploaded. See notes on uploaded 1008. Borrs have been paying seller's mtg with XXX. These payments are evident in XXX personal bk stmts used for income. XXX pay history requirement is met. I updated 1003 showing B1 has been renting primary and also matched the XXX Bank mtg to XXX property as it is not XXX. | XXX | The Final 1003 is Present | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120410 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Purchase is not considered to be an XXX | Purchase is not considered to be an Arm's Length Transaction Appraisal states the Purchase is a lease option between family members. Guidelines state Non-arm's length transactions are not allowed. These include but are not limited to affiliates of the applicant such as:<br> • Family members related by blood or marriage to the seller | Document Uploaded. Uploaded XXX for exception. | XXX | Lender exception for XXX approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120410 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120367 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120367 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120367 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120392 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Provide Fraud Report with all high alerts show as cleared and documentation used to clear the high alerts. | Document Uploaded. Hi, XXX was listed on the Fraud report in error for XXX. XXX is our licensed representative for XXX as you will see his name listed on the Closing Disclosure in the lender section on page XXX. I have uploaded the XXX for XXX confirming XXX approved.; Document Uploaded. I have addressed the high alerts in the section of "Confirmation of Searches Performed". Let me know if you need anything else. | XXX | All Fraud Report Alerts have been cleared or None Exist; Thank you for providing the documentation for the High Alerts. It appears we are missing the documentation to clear XXX XXX alert. Please provide the documentation to support current XXX info for XXX in the state of XXX. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120392 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party XXX Prior to Close Missing Provide a XXX dated within XXX days of close as required per the Lender's Loan Approval. | Document Uploaded. Uploaded XXX pulled XXX days before closing. | XXX | Reverification of Borrower's Self Employment dated within XXX days of closing is on page XXX. Condition rescinded. | XXX | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120392 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | The Gap Credit Report pull date: (XXX) on the Credit Scores card, as found on the Credit Liabilities page must be inside XXX-days of consummation date: (XXX) on the Note Info card as found on the Note page. Please make appropriate corrections. The Lenders Loan approval required a XXX Report pulled within XXX days of close. The Gap Report date is XXX and the note date is XXX. | Document Uploaded. Uploaded XXX for exception - XXX pulled XXX days before closing. | XXX | Although XXX report is on the loan approval, it is not required per guidelines. Per management exception no longer required. Condition rescinded. | XXX | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120392 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120392 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120238 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Lenders 1008 Primary housing figure is calculating the XXX. Please revise the 1008 and send for review. | Document Uploaded. Uploaded 1008. | XXX | Approval/Underwriting Summary is fully present; Material Exception | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025120238 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025120238 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025120330 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Please provide a Third Party Valuation Product Within Tolerance for Review. | Document Uploaded. Uploaded XXX. Supports within XXX%. XXX% conf score. | XXX | Third party valuation product provided within tolerance. | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 2025120330 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Document Required: Missing Credit Score Disclosure (XXX) | Document Uploaded. Uploaded credit score disclosure. | XXX | XXX Credit Score Disclosure is provided. | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 2025120330 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 2025120283 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120283 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120283 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120354 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120354 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120354 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120288 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | XXX Effective Date is after the Note Date | XXX Effective Date of XXX is after the Note Date of XXX Please provide an updated Hazard Insurance with the effective date of XXX. | Document Uploaded. Please see the uploaded email from the insurance agent. Unable to get dec page updated with effective date to match the closing date. Agent has confirmed no claims have been made on the policy. | XXX | XXX Effective Date of XXX is prior to or equal to the Disbursement Date of XXX Or XXX Effective Date Is Not Provided; Agent email confirmed no claims made prior to effective date of XXX. Attestation of no claims made accepted. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120288 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | XXX Missing | Missing XXX The flood cert in file indicates the subject property is in a flood zone. The master insurance from the XXX association does not indicate flood coverage. Please provide flood insurance for the subject property. | Document Uploaded. See updated flood certificate - not in a XXX. | XXX | Updated Flood Cert dated XXX confirmed subject not in a XXX. See page XXX and XXX. Condition rescinded. | XXX | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120288 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Borrower does not meet residual income requirement | Residual income of $XXX does not meet guideline minimum of $XXX. The guidelines require a minimum of $XXX of residual income. The Borrower's residual income of $XXX is insufficient. The file contains an exception approval, with compensating factors of a qualifying credit score of XXX, Borrower has been with the same employer for XXX years and Borrower has XXX months verified reserves. | Document Uploaded. XXX uploaded. | XXX | Lender exception for residual income less than $XXX approved by investor on XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120288 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120288 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120180 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120180 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120180 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120518 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. XXX Compliant |  |  | Informational Only; Material Finding; Informational Only; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | B | A B | B A | B A | B A | B A | B A | A B | A B | A B | A B | A |
| 2025120518 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Please provide proof of disclosure delivery within XXX business days of application date. | Document Uploaded. | XXX | Homeownership Counseling Disclosure Is Present or Not Applicable | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | B | A B | B A | B A | B A | B A | B A | A B | A B | A B | A B | A |
| 2025120518 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Please provide proof of appraisal delivery at least XXX business days prior to consummation date. | Document Uploaded. | XXX | Evidence of appraisal delivery provided. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | B | A B | B A | B A | B A | B A | B A | A B | A B | A B | A B | A |
| 2025120518 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Payment shock exceeds guideline | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. Maximum payment shock $XXX%, actual payment shock XXX. Exception granted - borrower current primary housing expense is paid through business and part of a business loan for a farm. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | B | A B | B A | B A | B A | B A | B A | A B | A B | A B | A B | A |
| 2025120349 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Appraisal Fee. | Document Uploaded. ; Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX; XXX provided did not resolve the exception, the XXX did not give a reason for the appraisal fee to increase and it was not disclosed until XXX even though the appraisal was ordered on XXX | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120349 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. XXX Compliant |  |  | Informational Only; Material Finding; Informational Only; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120349 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment completed within XXX (XXX) days of the closing or any point post-closing. The file is missing the required Verbal Verification of Employment for Borrower 1. Provide a Verbal Verification of Employment completed within XXX days of closing or at any point post-closing for Borrower 1. | Document Uploaded. ; Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided; Although the date the internet page was printed was XXX, the information on the XXX indicates the platform the Borrower used (Coverfly) shut down on XXX. Please provide current documentation to re-verify Borrower's self employment within XXX days of closing. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120448 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase of the Final Inspection on the CD issued XXX without a valid reason. Per the invoice issued XXX, the borrower paid the full amount XXX. | Document Uploaded. ; lender credit given | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX; The Final CD in file does not contain any lender credit | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120448 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete The Purchase Contract in the file is missing the XXX that supports $XXX Purchase Price, $XXX XXX was paid and $XXX Seller Concession. Provide the XXX. | Document Uploaded. ; Document Uploaded. The final will show the purchase price and seller credit, the Disclosure will detail the XXX at the bottom. | XXX | Purchase Contract Doc is complete.; Thank you for providing the Settlement Statement. However, the file is missing purchase contract amendment reducing the purchase from $XXX to $XXX and reducing the seller credit from $XXX to $XXX. Please provide the amendment reducing the purchase price and seller credit that matches the Settlement Statement. Thank you.; Material Finding | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120448 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Provide documentation to clear all High Alerts regarding XXX. Conducted a XXX search which confirmed she is not licensed in the state of XXX where the transaction took place. | Hi XXX was listed on the Fraud report in error for XXX loans. XXX is our licensed representatince for XXX as you will see his name listed on the closing disclosure in the lender section on page XXX thanks ; Document Uploaded. | XXX | All Fraud Report Alerts have been cleared or None Exist; Thank you for providing the XXX search. Please provide documentation to confirm XXX, who is listed as the Lender in the Fraud Report, had an active XXX in the state of XXX at time of origination. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120448 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Material Finding; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120448 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Expired | Borrower 1 Credit Report is Expired (Greater than XXX days from the Closing Date). The Broker Credit Report in the loan file is dated XXX with credit scores that do not match the Credit Risk Summary & Exception Approval. It appears an updated credit report was obtained on XXX. Provide the updated credit report for additional review. | Document Uploaded. XXX XXX provided | XXX | Borrower 1 Credit Report is not Expired. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120448 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 Credit Report is Expired | Borrower 2 Credit Report is Expired (Greater than XXX days from the Closing Date). The Broker Credit Report in the loan file is dated XXX with credit scores that do not match the Credit Risk Summary & Exception Approval. It appears an updated credit report was obtained on XXX. Provide the updated credit report for additional review. | Document Uploaded. XXX XXX provided | XXX | Borrower 2 Credit Report is not Expired. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120448 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Missing Certificate of Occupancy | Lender approval required a copy of the Certificate of Occupancy not found in the loan file. | Document Uploaded. cert of occupancy provided | XXX | Certificate of Occupancy not required per guidelines. Certificate of Completion in file on page XXX. Condition rescinded. | XXX | C B A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120324 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. XXX Compliant |  |  | ; Material Finding; Informational Only; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2025120324 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The borrower's Final 1003 lists the mortgages with XXX and XXX in Section XXX. Liabilities-Credit Cards, Other Debt, and Leases that you XXX. Provide a corrected and executed Final 1003 for Borrower 1 that remove the mortgages from Section XXX and list them with the properties they are attached to in Section XXX: Financial Information-Real Estate. | Document Uploaded. | XXX | The Final 1003 is Present | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2025120324 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party XXX Prior to Close Missing The Lender requires a Verbal Verification of Employment completed within XXX (XXX) days of the closing. The file is missing the required Verbal Verification of Employment for Borrower 1. Provide a Verbal Verification of Employment completed within XXX days of closing for Borrower 1. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2025120324 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment completed within XXX (XXX) days of the closing. The file is missing the required Verbal Verification of Employment for Borrower 2. Provide a Verbal Verification of Employment completed within XXX days of closing for Borrower 2. | Document Uploaded. | XXX | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2025120324 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Please provide a XXX within tolerance. | Document Uploaded. XXX provided | XXX | Third party valuation product provided within tolerance. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2025120359 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | ; Material Finding; Informational Only; ; XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120359 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | ; Material Finding; Informational Only; ; XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120359 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Unable to Determine borrower citizenship | Borrower 1 Unable to Determine borrower citizenship. Borrower has Work authorization documents as a resident of XXX. The 1003 states borrower is a XXX. Documents in the file are inconclusive in determining the borrowers citizenship. | Document Uploaded. Updated 1003 provided | XXX | XXX has been determined. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120321 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Material Finding; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120321 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Material Finding; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120321 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Cure- Provide evidence consumer received the Notice to the XXX (XXX) | Document Uploaded. XXX provided | XXX | XXX Credit Score Disclosure is provided. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120519 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Material Finding; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120519 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Material Finding; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120519 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The Credit Risk Summary & Exception Approval indicates the XXX Name/Date used by the Lender was dated XXX. However, based on the Lock Date of XXX, the correct XXX to be used was dated XXX. Please update the Credit Risk Summary & Exception Approval to reflect the correct XXX. | Document Uploaded. | XXX | Updated XXX for XXX date not required per XXX. Condition rescinded.; Material Finding | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120514 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120514 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120514 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120203 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or XXX fees for non-subject property | Audit was unable to locate documentation supporting the XXX not to exceed $XXX monthly for the property located on XXX. | Document Uploaded. Also added the pay history to the uploads.; Document Uploaded. Uploaded mtg stmt showing mtg includes XXX + XXX letter (no XXX). | XXX | PITIA for XXX property received. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120203 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120203 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120383 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract Expired XXX per Estimated Closing Data XXX in file. Provide an updated Estimate Closing Date Addendum to extend the contract to XXX. | Document Uploaded. XXX stated there was no extension signed. See email uploaded. | XXX | Per XXX, contract extension not required with executed Note and Mortgage. Condition resolved. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120383 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120383 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120252 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The Credit Risk Summary & Exception Approval indicates the XXX Name/Date used by the Lender was Bank Statement XXX. However, based on the Lock Date of XXX, the correct XXX to be used was dated XXX. Please update the Credit Risk Summary & Exception Approval to reflect the correct XXX, or provide the Bank Statement XXX XXX. | Document Uploaded. Uploaded XXX. | XXX | Approval/Underwriting Summary is fully present; Material Finding | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2025120252 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: According to lender guidelines dated XXX, Section XXX, log homes are not eligible unless they are typical for the area and three comparable sales from the immediate area can be provided. In this case, the appraiser only included two comparables, one of which is located XXX miles away. | Document Uploaded. Uploaded XXX listing exception for XXX without XXX log comps in XXX. | XXX | Lender exception for insufficient log home comps approved by investor on XXX. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2025120252 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 XXX Letter Missing | Borrower 1 CPA Letter Missing Although a XXX letter was provided in the loan file, it is missing a date. | Document Uploaded. See uploaded XXX letter. I asked the XXX to date the letter and initial the update. | XXX | Borrower 1 XXX Letter Provided | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2025120252 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Purchase Contract is Expired | The Purchase Contract indicates the settlement date is XXX days after acceptance of the offer. The offer was accepted on XXX. The loan closed on XXX, which was greater than XXX days from acceptance. The loan file did not contain an addendum extending the settlement date. Please provide a fully-executed extension, as required by the Clear to Close Loan Approval. | Document Uploaded. Please see email from XXX. A contract extension was not executed by the parties. | XXX | Per Investor they will purchase as is because all parties executed the closing documents. |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2025120252 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2025120252 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2025120209 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120209 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120209 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120234 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120234 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120234 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120339 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120339 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120339 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120239 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division XXX)Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | ; Material Finding; XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120239 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | ; Material Finding; XXX Compliant; Material Finding; XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120239 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120239 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120300 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The transaction is a Purchase of an Investment property. The Final 1003, Section XXX: Financial Information-Real Estate, Property XXX is confirmed to be the borrower's primary residence (XXX.). Property XXX- for property located at XXX shows the Intended Occupancy listed as Investment. Provide a corrected Final 1003, that reflects the primary residence occupancy for property XXX. | Document Uploaded. | XXX | The Final 1003 is Present | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120300 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120300 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120488 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120488 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120488 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120478 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | ; Material Finding; XXX Compliant; Material Finding; XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120478 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120478 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120083 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The XXX Expired XXX. Provide a XXX Extension to XXX. | Document Uploaded. | XXX | Purchase contract extension to XXX received. Condition cleared. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120083 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120083 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120235 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120235 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120235 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120320 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract expired XXX. Provide a Purchase Contract Extension to XXX. |  |  | Per XXX, extension not required and can be resolved post-finalization. Condition cleared. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120320 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The 1008 duplicates the monthly tax amount, showing it also as the XXX XXX. The result is an overstatement of the XXX for the subject. Provide a corrected 1008 with the Homeowner's Insurance monthly payment amount. | Document Uploaded. this should clear both 1008/1003 | XXX | Approval/Underwriting Summary is fully present; Material Finding | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120320 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Final 1003, Section XXX. Mortgage Loan Information, Proposed Monthly Payment for Property has the same amount listed for taxes and insurance. Provide a corrected Final 1003 with the correct Homeowner's Insurance amount. | Document Uploaded. | XXX | The Final 1003 is Present | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120320 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120320 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120350 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset General | The earnest money deposit of $XXX has not been fully sourced or verified. Per lender guidelines (Section XXX), acceptable forms of verification include evidence of payment from the XXX—such as a cancelled check, bank statement, receipt copy, or a XXX of a cashier's or certified check.<br> Audit was only able to locate XXX transfers to Toll Brothers: one for $XXX on XXX and another for $XXX on XXX. The remaining $XXX could not be verified. | Document Uploaded. ; Document Uploaded. Pls see pages XXX, XXX and XXX | XXX | Although the withdrawal on XXX and XXX do not reflect as paid towards the XXX, the XXX Change Order from XXX reflects/matches the amounts withdrawn. Condition cleared.; Although the XXX amount documented supports $4XXX, XXX of the XXX withdrawals do not appear to go towards the XXX, XXX. XXX of $XXX went to XXX and $XXX on XXX went to XXX. Please provide documentation to support the XXX and XXX withdrawals went to XXX. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120350 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The loan file does not contain a 3rd party XXX dated within XXX days of closing. The subject loan closed on XXX. The latest dated verification of employment in the loan file was dated XXX, which was greater than XXX days from closing. Please provide a 3rd party XXX dated within XXX days of closing. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120350 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120350 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120495 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | ; Material Finding; XXX Compliant; Material Finding; XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120495 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract Expired on XXX. Provide an executed Purchase Contract Extension to XXX. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120495 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120298 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120298 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120298 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120247 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | ; Material Finding; XXX Compliant; Material Finding; XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120247 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The XXX child support printout lists a termination date of XXX; however, the child will only be XXX years old at that time. The printout does not explicitly state that child support payments will terminate on that date, and no supporting documentation has been provided to justify early termination - audit including $XXX in child support in the DTI along with the real estate taxes appears to be understated for the subject property. | Pls advise, as the PITI is as follows: XXX you have $XXX; Document Uploaded. Hi, can you pls escalate, because on page XXX of the attached clearly states No Continuation req recv'd and the termination date is XXX, although the XXX would be XXX yrs of age. Who are we to go against the XXX Child Support system, thanks | XXX | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Thank you for providing the documentation. There were XXX reasons for the excessive DTI, 1) the child support and 2) incorrect calculation of property taxes. After excluding the child support, the DTI of XXX% still exceeds the max allowed of XXX% (taxes = XXX vs. $XXX used to qualify). | XXX | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120247 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Property taxes outstanding for the XXX quarter of XXX are $XXX ($XXX). Property taxes shown for the XXX quarter of XXX are $XXX ($XXX). The lender escrowed $XXX/mo for XXX months of prepaids. Audit is unable to reconcile that figure to the tax tax information sheet provided. |  |  | Tax info sheet on page XXX shows $XXX for XXX which equals what Lender used to qualify. Although the amount used was incorrect, the documentation as to where the Lender came up with that calculation was present in the loan file. Condition rescinded. | XXX | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120247 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing letter of explanation | Please clarify the correct property address for the borrowers' departing residence—XXX or XXX XXX. The 1003 and the borrower's driver's license reflect XXX, while the Final CD and the Note list XXX. | Document Uploaded. | XXX | Borrower's departure residence is a XXX. Documentation provided confirms. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120247 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | Per the lender's Clear to Close document, the contract closing date is listed as XXX. If the actual closing occurs after this date, a fully executed extension must be executed at or prior to closing. The subject loan closed on XXX; however, the audit team was unable to locate a copy of the required extension. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared.; Material Finding | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120247 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120191 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Final 1003, Section 2: Financial Information-Assets and Liabilities lists XXX, #XXX $XXX twice. Provide a corrected Final 1003 that lists the account once with total available assets as $XXX per bank statement in the file. | Document Uploaded. | XXX | The Final 1003 is Present | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2025120191 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. An AVM or desk review is required if the XXX XXX is > XXX or not present, and the XXX is ineligible for R&W relief unless the the LTV is < XXX%. | Please review the attached valuation. | XXX | Third party valuation product provided within tolerance.; Document Uploaded. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2025120191 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Missing Certificate of Occupancy | The Lender's Approval requires a Certificate of Occupancy. Provide the required Certificate of Occupancy. |  |  | Certificate of Occupancy not required per guidelines. Completion Report/XXX in file. Condition rescinded. | XXX | D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2025120191 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The file is missing the required Verbal VOE completed within XXX days of the XXX closing date. Provide a copy of the required XXX-day Verbal VOE. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2025120191 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2025120356 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | 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). The coverage amount is not sufficient to meet the replacement cost estimate, and there is no provision for increased coverage shown on the binder in file. | Document Uploaded. Please see email from the XXX. There is another coverage that will bridge the XXX in XXX vs the XXX. | XXX | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount. Received a copy of the letter from the XXX advising the difference of $XXX can be easily covered by the ordinance or XXX included in the coverage. Cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120356 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Audit could not locate verification of any HOA fees for State XXX or XXX. | Document Uploaded. Uploaded proof of no XXX dues for either property. | XXX | Documentation to verify no XXX for XXX properties located at XXX and XXX. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120356 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing 3rd Party VOE Prior to Close Missing Audit could not locate verification of the existence of the borrowers businesses (XXX) dated within ten (XXX) days of closing. | Document Uploaded. Uploaded XXX. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120356 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The XXX does not reflect the new auto loan with XXX XXX that appears on the XXX report. | Document Uploaded. Uploaded 1003 with new XXX loan added. | XXX | The Final 1003 is Present | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120356 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The 1008 does not reflect the new XXX loan with XXX XXX that appears on the XXX report. | Document Uploaded. Uploaded 1008 and XXX with new XXX loan included in DTI. | XXX | Approval/Underwriting Summary is fully present; Material Finding | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120356 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120241 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120241 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120241 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120190 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120190 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120190 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120095 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX XXX required: A refund in the amount of $XXX, cure package: XXX with LOE, copy of refund and proof of delivery. The Appraisal fee increased on the CD issued XXX without a valid reason. The invoice issued XXX reflects the full amount of $XXX. | Document Uploaded. Uploaded all cure docs. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120095 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | XXX Effective Date is after the Note Date | XXX Effective Date of XXX is after the Note Date of XXX Please provide updated HOI showing a start date of XXX or before. | Document Uploaded. Uploaded XXX page with eff date XXX | XXX | XXX Effective Date of XXX is prior to or equal to the Disbursement Date of XXX Or XXX Effective Date Is Not Provided | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120095 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120272 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120272 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120272 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120357 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation XXX.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120357 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | XXX XXX required: A refund in the amount of $XXX, cure package: XXX with LOE, copy of refund and proof of delivery. The Appraisal fee increased on the CD issued XXX without a valid reason. Per the Appraisal Invoice dated XXX, the borrower paid the full amount on XXX which is more than XXX business days from the CD. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Borrower has stable job time - Borrower has XXX years on job. D C A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120357 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Audit could not locate verification of the existence of the borrowers businesses (XXX) dated within ten (XXX) days of closing. | Document Uploaded. ; Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided; XXX provided is incomplete. Appears an error in formatting may have occurred with the uploaded document. Please provide re-verification of Borrower's business with XXX and XXX. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120357 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Informational Only |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120229 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | There is no evidence of an initial CD issued XXXin the loan file. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or XXX, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In XXX" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX 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 XXX 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. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120229 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120229 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120200 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. The file documents $XXX available funds. The borrower was required to bring $XXX to closing and XXX months or $XXX for the reserves. The file is short for closing and reserves. The file is missing proof of receipt of gift funds in the amount of $XXX. |  |  | Audited Reserves of $XXX are equal to or greater than XXX Required Reserves of $XXX.; Document Uploaded. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120200 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | 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) The file documents $XXX available funds. The borrower was required to bring $XXX to closing and XXX months or $XXX for the reserves. The file is short for closing and reserves. The file is missing proof of receipt of gift funds in the amount of $XXX. |  |  | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Document Uploaded. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120200 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | 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 file documents $XXX available funds. The borrower was required to bring $XXX to closing and XXX months or $XXX for the reserves. The file is short for closing and reserves. The file is missing proof of receipt of gift funds in the amount of $XXX. | Document Uploaded. Hey. this upld should clear all open conditions on this loan. Please and thank you. | XXX | Funds are found to meet guidelines. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120200 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The file documents $XXX available funds. The borrower was required to bring $XXX to closing and XXX months or $XXX for the reserves. The file is short for closing and reserves. The file is missing proof of receipt of gift funds in the amount of $XXX. |  |  | Asset Qualification Meets Guideline Requirements; Document Uploaded. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120200 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment completed within ten (XXX) days of the closing. The file is missing the required Verbal Verification of Employment. Provide a Verbal Verification of Employment completed within XXX days of closing. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120200 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Informational Only |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120200 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120470 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120470 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120470 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120332 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | File does not contain all required valuation documents | The Desk Review provided reflects the subject Unit number is XXX. Per Note the subject Unit number is XXX. Provide a corrected Desk Review that lists the correct Unit #. | Document Uploaded. | XXX | XXX with corrected unit # received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120332 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | Appraisal incomplete (missing map, layout, pages, etc.) | The subject transaction is a cash-out refinance of an Investor property. The appraisal states the subject property is owner occupied. Provide a corrected appraisal that reflects the subject is XXX occupied.  | Document Uploaded. | XXX | Corrected appraisal received reflecting subject as XXX. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120332 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120332 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120189 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract Expiration date isXXX. Provide an executed Purchase Contract Extension to XXX. | Document Uploaded. | XXX | Per XXX, contract extension not required with fully executed Note and Mortgage. Condition resolved. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120189 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120189 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120513 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract expired on XXX. Provide a Purchase Contract Extension to XXX. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120513 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Lenders 1008 figures do not match the Final CD. Please revise the 1008 and send for review. |  |  | Exception acknowledged by Lender; Material Finding | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120513 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120513 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120364 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The Guidelines required proceeds from sale of a currently owned document must be verified with proof of receipt of sufficient funds to close. The file contains an estimate of net proceeds from sale. Provide proof of receipt of sufficient funds. | Document Uploaded. | XXX | Asset Qualification Meets Guideline Requirements | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120364 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The XXX in the file is over XXX days old. Provide a XXX dated within XXX-days of closing. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120364 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120364 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120462 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Final 1003 indicates that the borrower's current primary residence on XXX XXX was sold. However, the loan file does not include documentation confirming the sale, and the lender did not include the associated monthly payment in the qualifying debt ratio. Please provide either documentation confirming the property was sold, or a corrected Final 1003, 1008, and CRSE that includes the departing residence in the DTI calculation. | Document Uploaded. | XXX | Departure residence not sold. Updated 1003, 1008, and XXX received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120462 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120462 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120246 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete There is a county discrepancy on the Mortgage. Mortgage page says XXX County, exhibit A Legal description says XXX County. | Document Uploaded. | XXX | County Corrected to Waller. The Deed of Trust is Present and Complete. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120246 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Missing Certificate of Occupancy | Subject is new construction - audit could not locate a copy of the certificate of occupancy. | Document Uploaded. From the broker below:<br>The county doesn't issue a XXX on this property, however the builder does get a XXX part inspection and that is attached. Will this suffice or do we need something further?<br>Thank you!  | XXX | Cert of Occupancy not required per guidelines. Completion Cert with photos in file. Condition rescinded. | XXX | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120246 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Guidelines require a verification of existence of business dated within XXX days of closing. Please provide a VOE dated XXX or XXX. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120246 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120246 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120306 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Lender requires a Verbal VOE dated within XXX days of the closing. Provide a Verbal VOE dated within XXX days of closing. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided. Received an updated business search conducted on XXX. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120306 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120306 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120242 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Proceeds from sale are documented with a Seller's Estimated Settlement Statement. Per Lender Guidelines the document requirements are proof to receipt of sufficient funds to close. Please provide proof of receipt of funds. | Document Uploaded. ; Document Uploaded. | XXX | Asset Qualification Meets Guideline Requirements; Settlement Statement provided is not signed by the Borrower nor the XXX. Please provide a signed Settlement Statement confirming the sale of XXX and net proceeds of $XXX. Thank you. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120242 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Payment shock exceeds guideline | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. Guidelines state; Maximum payment shock is XXX%, loan has a payment shock of XXX%. | Document Uploaded. | XXX | Lender exception for XXX% payment shock approved by investor on XXX. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120242 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Guidelines require a verification of existence of business dated within XXX days of closing. Please provide a VOE dated within XXX-days of the closing date or XXX. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120242 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Lenders 1008 is using a P&I payment that does not match the note. Please provide an updated 1008 for review. |  |  | Exception acknowledged by Lender; Material Finding | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120242 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120242 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120162 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Final 1003 is incomplete. Section 3: Financial Information – Real Estate, Section XXX. Property You Own does not reflect the property value or the current monthly insurance, taxes and association dues. Please provide a corrected Final 1003. | Document Uploaded. | XXX | The Final 1003 is Present. Received an updated final 1003 with the details on the primary residence. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120162 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120162 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120264 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract Expired XXX. Provide a Purchase Contract Extension to XXX. | Document Uploaded. Pls note that the Contract extends an addt'l XXX days pass the original date, thanks | XXX | Per XXX purchase contract extension not required with fully executed note and mortgage. Condition resolved. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% <br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120264 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The 1008 shows the borrower's primary housing expense to be $XXX per month. The verified amount is $XXX per month which agrees with the 1003. As a result, the XXX and XXX ratios are understated on both the 1008 and the Credit Risk Summary and Exception Approval. |  |  | Exception acknowledged by Lender; Material Finding | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% <br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120264 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% <br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120264 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% <br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120401 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 2025120401 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Payment shock exceeds guideline | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. Payment shock is over XXX%. CRSE in the file cites this exception and approval is granted. |  |  | Lender provided an exception. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 2025120401 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. XXX Compliant |  |  | XXX Compliant; Informational Only; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 2025120187 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | XXX 130b Cure Required. Refund in the amount of $XXX; cure package requires a XXX, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation is due to an increase in Transfer Tax/State Tax Stamps from $XXX on the initial XXX to $XXX on the final CD. A XXX was provided on XXX, however, an invalid reason was given. There was no loan amount or value change. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. Pls note the increase was due to Recording fees are increased based on need to record additional unanticipated documents such as release of prior lien<br> Transfer taxes added for additional unanticipated documents, which is a valid reason | XXX | Valid XXX provided; Exception resolved; Valid XXX provided; Exception resolved | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C B | C B A | C B A | C B A | C B A | C B A | A B | A B | A B | A B | A |
| 2025120187 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. XXX Compliant |  |  | XXX Compliant; Informational Only; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C B | C B A | C B A | C B A | C B A | C B A | A B | A B | A B | A B | A |
| 2025120187 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Borrower does not meet residual income requirement | Residual income of $XXX does not meet guideline minimum of $XXX. Exception granted. Minimum $XXX residual income required; actual - $XXX residual income. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C B | C B A | C B A | C B A | C B A | C B A | A B | A B | A B | A B | A |
| 2025120137 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Guidelines require a VOE dated within XXX days of closing. Please provide a VOE dated XXX or XXX. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120137 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation XXX.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established escrows and appraisal requirements met. XXX with established escrows and appraisal requirements met. |  |  | XXX Compliant; XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120137 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. XXX Compliant |  |  | XXX Compliant; Informational Only; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120509 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120509 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120509 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120545 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. | Document Uploaded. | XXX | Evidence of appraisal delivery provided. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120545 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | XXX XXX Disclosure Is Missing Documentation required to clear exception: XXX XXX Disclosure Missing  | Document Uploaded. | XXX | Homeownership Counseling Disclosure Is Present or Not Applicable | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120545 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure or confirmation the lender has no affiliates. | Document Uploaded. | XXX | Required Affiliated Business Disclosure Documentation Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120545 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120545 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120266 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120266 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120266 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120109 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120109 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120109 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120160 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. Credit will address<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120160 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. Credit will address<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120160 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. Credit will address<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120467 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing Documentation for property located on XXX: according to the clear to close document, the borrower has a new loan with the lender loan number ending in XXX. Please provide the following documentation: <br> Final Closing Disclosure (CD), Note, Property tax records, Homeowner's insurance, HOA documentation (if applicable). If no HOA payment is required, please include an executed statement from the borrower confirming that no HOA dues apply. Important: the total monthly payment should not exceed $XXX, and the Final CD must reflect the satisfaction of the SunCoast Credit Union loan. | Document Uploaded. Uploaded all docs for new mtg for the XXX . The first page of the appraisal shows no XXX dues. I corrected the payment and uploaded a new 1008, 1003, and XXX. | XXX | PITI for primary residence received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120467 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120467 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120208 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | The Purchase Contract is expired. Provide an executed Purchase Contract Extension to XXX. | Client advised an extension was provided. Please review to confirm loan grade can be updated to A. ; Document Uploaded. Uploaded contract extension. | XXX | Contract extension to XXX received. Condition cleared.; ; Lender provided an exception.; Material Finding | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025120208 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025120208 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025120224 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Rescinded | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of the XXX lien payment for property XXX, acct ending #XXX. Provide verification of the monthly lien payment. | The XXX with XXX Savings is duplicated on the credit report. Both lines show the remaining balance as $XXX. One shows a $XXX payment and the other shows a $XXX payment. The UW excluded the line item showing a $XXX payment since the $XXX makes more sense. | XXX | Payment for XXX/XXX on primary residence verified in credit report on page XXX. Condition rescinded. | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120224 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120224 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120445 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 XXX Letter Missing | Borrower 1 CPA Letter Missing Although a CPA letter was provided, it is dated XXX XXX, which is more than XXX days prior to the Note date and therefore outside the acceptable timeframe. | Document Uploaded. | XXX | Articles dated XXX and recertified XXX to XXX the outdated XXX letter received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120445 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Purchase is not considered to be an XXX | Purchase is not considered to be an Arm's Length Transaction Guideline Reference – Section XXX (Non-Arm's Length Transactions): According to the lender's guidelines, non-arm's length transactions are not permitted when the borrower is a family member related by blood or marriage to the seller. In this case, the borrower is related to the seller and received a $XXX gift of equity, which classifies the transaction as non-arm's length. | Document Uploaded. | XXX | Received an updated XXX. XXX are not permitted. Loan closed as a XXX; the borrower is related to the seller and received a $XXX Gift of Equity. Compensating Factors : DTI - XXX% (Housing) // XXX% (Total); Payment Shock is only XXX%; Reserves of XXX months; Residual Income of $XXX; Qualifying LTV is XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. D C A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120445 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated APRXXX the loan is a higher-priced mortgage loan, as defined in Regulation XXX.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX Compliant<br>| Hey. Can you pleaes advise what is needed in order to clear? thanks | XXX | Compliant - nothing additional is required. ; Material Finding; XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120445 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% 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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The XXX% tolerance violation in the amount of $XXX is due to increase from $XXX on XXX XXX to $XXX on the Final CD XXX for the recording fee. The XXX dated XXX does not provide a valid reason for the increase. Final charges that in total cannot increase more than XXX% $XXX, comparable charges that in total cannot increase more than XXX% $XXX, tolerance variance is $XXX | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX | XXX | Borrower has stable job time - Borrower has XXX years on job. D C A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120445 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120233 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120233 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120233 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | No Compliance Findings The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120254 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Lenders 1008 shows an incorrect HOI payment for the Primary residence. Please provide an updated 1008 using the current HOI statement in the file. | Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; Material Finding | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025120254 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025120254 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025120101 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Per guidelines, non-warrantable condo projects are not eligible for the XXX XXX. | Document Uploaded. | XXX | Lender exception to allow XXX on XXX approved by investor on XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120101 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120101 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120447 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120447 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120447 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120156 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120156 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120156 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120174 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120174 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120174 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120213 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract Expired on XXX. Provide a signed Purchase Contract Extension to XXX. | Document Uploaded. | XXX | Contract extension to XXX received. Condition resolved. | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120213 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet XXX Requirements Proceeds from sale of existing home have to be documented with proof of receipt of sufficient funds to close. The funds are documented with an unsigned Seller's Transaction CD. Provide proof of receipt of funds. | Document Uploaded. | XXX | Asset Record XXX Meets G/L Requirements Or Not Applicable | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120213 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120213 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120487 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | There's no evidence of the initial CD issuedXXX in the loan file. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or XXX, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal XXX XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"XXX" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX 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 XXX 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. | XXX | Initial CD received; Exception resolved; Initial CD received; Exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120487 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120487 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120149 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120149 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120149 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120496 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120496 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120496 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120102 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120102 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120102 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120471 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing Borrowers 1003 in the file states the other XXX. has a new XXX loan XXX. Please provide liability documentation for the property XXX. on XXX. | Document Uploaded. Uploaded the docs for the new mtg for XXX to document the PITIA. | XXX | PITI for XXX property received and matches what was used to qualify. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120471 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120471 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120460 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or XXX fees for non-subject property | Mortgage statements and/or notes, tax bills, insurance bills and HOA billings (if appropriate) for the borrower's XXX rental properties are needed to substantiate the carrying costs used to qualify the borrower. | Document Uploaded. ; Document Uploaded. This was all in the file but possibly not uploaded to you? I have included all info for each of the XXX properties. | XXX | PITIA and proof XXX properties on XXX are owned free and clear received. Condition resolved. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120460 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120460 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120465 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The Credit Risk Summary & Exception Approval reflects the XXX Program as XXX XXX XXX XXX XXX. However, the loan file contains XXX XXX XXX XXX XXX. Please provide a corrected Credit Risk Summary & Exception Approval reflecting the correct Loan Program. | Client requested a re-review to determine if the condition could be resolved and upgraded to grade A. ; Document Uploaded. Uploaded XXX correcting program to XXX Business. | XXX | Revised XXX received reflecting XXX XXX. Condition cleared.; ; Waiver provided.; Material Finding | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C B | C B A | C B A | C B A | C B A | C A | A | A | A | A | A |
| 2025120465 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | The initial CD issued on XXX and XXX is missing. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or XXX, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"XXX" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX 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 XXX 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 both missing CDs. | XXX | Initial CD received; exception resolved; Initial CD received; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C B | C B A | C B A | C B A | C B A | C A | A | A | A | A | A |
| 2025120465 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the XXX XXX determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in XXX XXX if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX XXX cure required:<br> Refund in the amount of $XXX<br> The XXX tolerance violation in the amount of $XXX is due to an increase in Discount Points from the LE to CD. The Initial CD is missing which invalidated the COC provided on XXX. Need evidence of a PCCD or proof of refund check to the borrower in the amount of $XXX. | Uploaded initial CD to other finding. | XXX | CD dated within XXX days of XXX date provided; Exception resolved; CD dated within XXX days of XXX date provided; Exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C B | C B A | C B A | C B A | C B A | C A | A | A | A | A | A |
| 2025120465 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation XXX.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. | Doesn't appear there's anything for XXX to address on this XXX. | XXX | ; Material Finding; XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C B | C B A | C B A | C B A | C B A | C A | A | A | A | A | A |
| 2025120465 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C B | C B A | C B A | C B A | C B A | C A | A | A | A | A | A |
| 2025120054 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% 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 XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in XXX XXX if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). XXX XXX Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX% tolerance violation in the amount of $XXX is due to additional XXX XXX added to the CD issuedXXX without a valid reason. | Document Uploaded. ; lender credit given | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX; The lender credit in section XXX did not list a cure and and the general credit listed matches the lender credit amount listed since the initial disclosures (XXX) | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | C | B D C | C D | C D | C D | C D | C B A | B A | B A | B A | B A | B |
| 2025120054 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or XXX fees for non-subject property | Verification of XXX could not be located for the properties at XXX XXX XXX and XXX XXX XXX. Additionally, audit could not locate a copy of the 1007 form verifying market rent of $XXX for XXX nor a copy of the lease agreement for departing primary residence on XXX reflecting rent of $XXX, along with evidence of receipt for XXX month's rent, XXX month's rent, and the security deposit. | Document Uploaded. | XXX | PITIA and rental income documentation for XXX received and supports what Lender used to qualify. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | C | B D C | C D | C D | C D | C D | C B A | B A | B A | B A | B A | B |
| 2025120054 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Per guidelines a non-warrantable condominium is not permitted under the XXX XXX. | Document Uploaded. | XXX | Lender exception to allow a XXX on the XXX approved by investor on XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | C | B D C | C D | C D | C D | C D | C B A | B A | B A | B A | B A | B |
| 2025120051 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or XXX fees for non-subject property | Verification of PITIA could not be located for the properties at XXX XXX XXX XXX (closed simultaneously with subject - payment not to exceed $XXX) and XXX. Additionally, the audit could not locate a copy of the lease agreement for XXX reflecting rent of $XXX, along with evidence of receipt for XXX month's rent, XXX month's rent, and the security deposit. | Document Uploaded. | XXX | PITIA, rental income receipt, and lease for XXX properties received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2025120051 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Acknowledged | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Per guidelines, non-warrantable condominiums are not permitted under the XXX XXX. | Document Uploaded. | XXX | Lender exception to allow XXX on XXX approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2025120051 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2025120201 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120201 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120201 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120164 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120164 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120164 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120363 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation XXX.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A.  | XXX Compliant | XXX | ; Material Finding; XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120363 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120363 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120122 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120122 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120122 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120139 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX XXX cure required:<br> Refund in the amount of $XXX<br> The XXX tolerance violation in the amount of $XXX is due to an increase in the Appraisal fee from the LE to CD; The XXX issued XXX does not provide the reason; Need evidence of a valid XXX, PCCD or proof of refund check to the borrower in the amount of $XXX.<br> The invoice dated XXX reflects the borrower paid full amount dated XXX. | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120139 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX Rate Spread Home Loan Test | This loan failed the XXX rate spread home loan test.<br> (XXX)The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report.While the XXX 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 investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. XXX loan with established escrows and met appraisal requirements. |  |  | XXX compliant.; Material Finding; XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120139 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation XXX.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. | XXX Compliant | XXX | ; Material Finding; XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120139 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lenders income in the file is based on XXX months of XXX XXX. Loan documents indicate the program is a XXX XXX XXX XXX program. Please provide updated documents identifying the correct program or income. | Document Uploaded. ; Document Uploaded. | XXX | Income and Employment Meet Guidelines; Lender updated program from XXX months to XXX months bank statements. Income difference was minimal and not material. Condition cleared.; Income used to qualify of $XXX was based off of XXX months XXX bank statements yet the XXX in file reflected the program of XXX month XXX bank statements. The income of $XXX on the worksheet just provided showing XXX months did not match the amount used to qualify. Due to the discrepancy, we are unable to determine which program was used. Please clarify if the XXX was supposed to be XXX Months XXX Bank Statements or XXX Months. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120139 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120143 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120143 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120143 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | No Compliance Findings The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120458 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing evidence of the redemption of assets that are being used for closing costs. Per Guidelines-if funds from the accounts listed are being used for down payment and/or closing costs, obtain evidence of the redemption of the assets. Provide evidence of redemption of the assets. | Document Uploaded. Hi pls see page XXX of the attached XXX Statement which shows Funds deposited into Truist acct #XXX which matches the Funds that were wired to XXX Comp for Funds to close; Document Uploaded. | XXX | Proof of liquidation of assets provided. Asset Qualification Meets Guideline Requirements. Condition cleared.; Per section XXX of guidelines, when assets from either XXX, XXX, XXX, or XXX are being used for down payment/closing costs, proof of redemption/liquidation is required yet this was not present in the loan file. In addition, the asset wire just provided reflects the funds to close came from XXX #XXX which was not documented in the file nor listed on the final 1003. Please provide the asset documentation used for funds to close (XXX #XXX) for analysis and an updated 1003 reflecting that account. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120458 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120458 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120417 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or XXX fees for non-subject property | For the property located on XXX XXX XXX, the mortgage statement indicates monthly impounds of $XXX, with $XXX allocated solely for mortgage insurance. This leaves just $XXX for tax and insurance, implying that the impounds are insufficient to cover both taxes and insurance. According to the fraud report, the annual property taxes are $XXX. Please provide documentation verifying property taxes, hazard insurance, and HOA dues. Additionally, audit was unable to locate verification of HOA dues for XXX XXX or XXX XXX XXX. | Document Uploaded. Pls note we have updated the Info on the Bwr XXX located XXX , I have attached the XXX/XXX/Updated 1008/1003. What we did for the XXX is used the monthly payment as the annual assessment is $XXX regardless if the Bwr paid quarterly/annual etc..; Document Uploaded. ; Document Uploaded. XXX Info on XXX | XXX | PITIA for all XXX properties received. Condition cleared.; Thank you for providing an updated 1008 and XXX, however, we are still missing the following information: Please provide documentation to verify XXX for XXX (the XXX amount of $XXX consisted of XXX of $XXX which leaves only $XXX/mo for insurance) and also provide the frequency of the $XXX HOA assessment for XXX (is it monthly, quarterly, annual). Thank you.<br> Edit Delete; Please provide documentation to verify XXX for XXX (based on mortgage statement in file, the XXX amount of $XXX consisted of XXX of $XXX which leaves only $XXX/mo for taxes and insurance. Audit was able to locate XXX annual taxes of $XXX, however, unable to determine XXX). In addition, please provide frequency of $XXX HOA assessment for XXX property (monthly, quarterly, annual). Thank you.; Document Uploaded. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120417 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Audit could not locate verification of the existence of the borrowers business dated within ten (XXX) days of closing. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120417 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120417 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120161 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120161 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120161 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120163 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120163 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120163 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120210 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Purchase Contract is Expired | The Purchase Contract Expired XXX. Provide an executed Contract Extension to XXX. | Document Uploaded. Understood! I have uploaded the XXX with exception. Thanks!; Document Uploaded. Uploaded email from title agent stating they don't require an extension signed. So let me know if we need an exception? thanks!; Document Uploaded. See email from XXX agent. There was not an addendum executed to extend the closing date. | XXX | Lender exception to waive contract extension approved by investor on XXX.; New direction regarding contract extensions that was escalated to management indicates that if a contract extension is not obtained, an approved exception is required and loan will be downgraded to a B. Thank you.; Contract extension was not obtained, therefore, please provide us with an updated XXX reflecting an approved exception for downgrade. Thank you. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120210 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120060 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120060 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120380 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120380 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120380 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120442 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120442 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120442 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120207 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | XXX required: A refund in the amount of $XXX, cure package: PCCD with XXX, copy of refund and proof of delivery. The Credit Report fee was added to the CD issued XXX; however, per the Invoice dated XXX, the fee amount was issued and paid XXX. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120207 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120207 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120265 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 2025120265 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 2025120265 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The 1008 underwriting summary miscalculated the PITI payment using a monthly P&I payment of $XXX. According to the note in file and the XXX guidelines (Section XXX) qualifying rate for interest only loans, the correct monthly P&I payment used in qualification should should have been $XXX. |  |  | Lender acknowledged finding.; Material | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 2025120177 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Verification of XXX dues has not been provided for the following rental properties: XXX, listed on the 1003 as $XXX per month, and XXX, listed as $XXX per month. | Document Uploaded. Uploaded the XXX docs. | XXX | HOA for XXX properties received and matches amount used to qualify. Condition cleared. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025120177 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income documentation does not meet guidelines | Rental income for XXX, the borrower's XXX, and XXX has not been documented. Full PITIA for XXX properties was included in the DTI calculation, resulting in a DTI violation. Audit did not locate lease agreements, property management contracts, or evidence of rental payment receipts to support the income used. | Document Uploaded. Uploaded lease for XXX + proof of security deposit receipt (this is the borrower's departure residence). Uploaded lease + XXX months bank statements showing deposits. Rent is documented. | XXX | Rental income for XXX properties documented and matches what was used to qualify. Condition cleared. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025120177 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Rental income for XXX, the borrower's departing residence, and XXX has not been documented. Full PITIA for both properties was included in the DTI calculation, resulting in a DTI violation. Audit did not locate lease agreements, property management contracts, or evidence of rental payment receipts to support the income used. | Uploaded rent receipt to income finding - DTI is < XXX%. | XXX | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025120177 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements XXX account #XXX appears to be held XXX in the name of an XXX identified as the XXX. In accordance with guideline XXX, funds from a XXX are not considered a gift and must be sourced and seasoned as if they were the borrower's own. However, audit was unable to verify that this XXX is, in fact, the borrower's non-borrowing spouse. | Document Uploaded. | XXX | Final 1003 indicates primary residence is owned XXX with XXX. XXX in Fraud report (XXX) confirms spouse's name on co-owned primary residence and matches individual on XXX, therefore, assets in file may be used at XXX%. Condition rescinded. | XXX | D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025120177 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing Certificate of Occupancy | Audit could not locate a copy of the certificate of occupancy. | Document Uploaded. Uploaded certificate of occupancy. | XXX | Certificate of Occupancy received. Condition cleared. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025120177 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) 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 XXX and XXX) 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 XXX and XXX) 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. There is no evidence of the initial CD dated XXX in the loan file. | Document Uploaded. Uploaded initial CD. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025120177 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% 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 XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). The loan failed the charges that cannot increase more than XXX% test. Because the loan failed the Initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the increase on XXX did not rest the baseline. | I uploaded the initial CD to the other finding. Let me know if there are any further issues. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025120177 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025120110 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing final XXX from sale of non-subject property | Although the settlement statement for the sale of the borrower's XXX on Vineyard Avenue has been provided, it is not executed or certified by the XXX. Please submit the executed/certified version, as the proceeds of $XXX were required for the closing of the subject transaction. | Document Uploaded. Uploaded Seller's Disclosure along with wire confirmation for receipt of funds. | XXX | Settlement Statement along with wire confirmation of funds to the Settlement Agent for the purchase of the subject transaction received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120110 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120110 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120338 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | 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).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Cure required. Refund in the amount of $XXX , cure package requires a PCCD, XXX, Copy of Refund Check, and Proof of Delivery. The tolerance is due to The Appraisal fee increasing on the XXX issued XXX and the Appraisal Final Inspection was added to the CD issued XXX without valid reasons (The invoice issued XXX reflects the borrower paid the full balance by XXX). | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120338 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Qualified Mortgage XXX Threshold Test | This loan failed the qualified mortgage XXX threshold test. (12 CFR §1026.43(e)(2)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a XXX is greater than or equal to (XXX), and its XXX calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the XXX on the date the rate was set plus XXX%; orThe note amount for a XXX on a XXX is less than (XXX), and its XXX calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the XXX on the date the rate was set plus XXX%; orThe note amount for a XXX a XXX is less than (XXX) but greater than or equal to ($XXX), and its XXX calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the XXX on the date the rate was set plus XXX%; orThe note amount for a XXX is greater than or equal to (XXX), and its XXX calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the XXX on the date the rate was set plus XXX%; orThe note amount on a XXX a XXX or a XXX is less than (XXX), and its XXX calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the XXX on the date the rate was set plus XXX%. |  |  | Loan is not subject to XXX, condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120338 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120338 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120138 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The loan approval documents all show that this was approved as a XXX-month bank statement analysis. The file only contains XXX months of bank statements. | Document Uploaded. This is a XXX program. I have updated the program on the uploaded XXX. Please resolve this finding instead of acknowledging it. Thanks! | XXX | ; Lender provided corrected XXX.; Lender acknowledged finding.; Material | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025120138 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025120138 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025120457 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120457 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120457 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120126 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract indicates the settlement date is to be XXX days after the Seller's acceptance of the offer. The Seller accepted the offer on XXX, therefore, the closing date was to be by XXX. The subject loan closed on XXX. The loan file did not contain an addendum extending the settlement date. Please provide a fully-executed extension, as required by the Clear to Close Loan Approval. | Hey. The loan document package was signed on the XXX, but in XXX we do not close the same day. The loan funded on the XXX and we recorded and closed on the XXX. thanks | XXX | After reviewing management, contract expiration is in line with XXX. Condition cleared.; Purchase contract indicated XXX to be XXX days from date offer was accepted. Subject offer was accepted on XXX and loan closed on XXX which is XXX days after offer was accepted. Please provide signed contract extension to XXX. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120126 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120126 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120211 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120211 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120211 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120402 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120402 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120402 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120463 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120463 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120463 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120145 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120145 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120145 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120165 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Lender requires a Verbal XXX dated within XXX days of the closing date. The file is missing the borrower's Verbal XXX for the employment listed as XXX on the final application. Provide the required Verbal XXX. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120165 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120165 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120343 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120343 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120343 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120072 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XXX is after the Disbursement Date of XXX. Please provide an updated XXX showing the XXX was in force at the time of closing. | Document Uploaded. ; Document Uploaded. | XXX | Hazard Insurance Effective Date of XXX is prior to or equal to the Disbursement Date of XXX Or Hazard Insurance Effective Date Is Not Provided. Letter from client confirming a conversation with the XXX holder - no claims were filed prior to the effective date. Cleared.; XXX Attestation does not reflect the policy number or the property address verified. Please provide an attestation letter confirming the policy and property address in question. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120072 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required: There's no evidence of an initial CD issued XXX in the loan file. This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) 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 XXX and XXX) 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 XXX and XXX) 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. | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120072 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120540 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120540 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120540 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120505 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Property | XXX is Missing | XXX Missing The XXX is not in the file and is required by guidelines. | This is XXX approved project (XXX Project ID# XXX). XXX is not required when we identify project ID. <br>; Document Uploaded. | XXX | XXX project approval in file on page XXX. Condition rescinded.; Thank you for providing the XXX . Please provide the XXX. Thank you. | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120505 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation XXX 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | ; Material ; XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120505 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120074 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120074 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120074 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120473 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120473 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120473 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120408 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | 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).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.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). XXX Cure required. Refund in the amount of $XXX, cure package a PCCD, XXX, Copy of Refund Check, and Proof of Delivery. The tolerance is due to increased Appraisal XXX fee from XXX XXX $XXX to CD XXX $ XXX. Per the invoice dated XXX, the change was not issued within XXX business days of the disclosure; therefore, a cure is required. | Document Uploaded. Uploaded cure docs. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120408 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Property | Ineligible Property | The subject is a XXX purchase using the XXX. Per Guidelines the XXX is only available for XXX. The XXX approved exception to guidelines-Exception Type-Other-Program, Guideline-Owner Occupies, Actual XXX, Rational-Exception granted by XXX level to move forward with the XXX . Granted By Lender on XXX. |  |  | Exception Granted | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120408 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120226 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: XXX are not eligible under the XXX. | Document Uploaded. Uploaded XXX with exception added. | XXX | Lender exception XXX on XXX approved by investor on XXX. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% .<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120226 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | XXX Effective Date is after the Note Date | XXX Effective Date of XXX is after the Note Date of XXX Audit could not locate a copy of the prior XXX that would be active at the time of closing. | Document Uploaded. Uploaded XXX. | XXX | XXX Effective Date of XXX is prior to or equal to the Disbursement Date of XXX Or XXX Effective Date Is Not Provided | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% .<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120226 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% .<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120090 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Credit report reflected a charge off of $XXX on XXX, last reporting XXX. Per Lender XXX, no collections/charge offs allowed within XXX months of Note date. | Document Uploaded. Uploaded XXX reflecting exception. | XXX | Lender exception for charge off within XXX months of note date approved by investor on XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120090 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120090 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120504 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 2025120504 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 2025120507 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX. Guidelines require a FICO of XXX for an XXX. XXX in the file cites this exception and approval is granted. |  |  | Re-reviewed the request per client email. The XXX guidelines do not require a minimum FICO score for XXX waivers. Condition should not have been approved by the client. Resolved - cleared accordingly. ; Audited FICO of XXX is greater than or equal to Guideline FICO of XXX; ; Exception Granted | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120507 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120507 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120544 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | 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).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.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). XXX Cure required: Cure of $XXX required for increase in Title Insurance and Closing Protection Fee without valid XXX. Fees were paid to affiliate of lender and disclosed on SSPL. XXX provided does not indicate why fees increase. Cure requires PCCD, XXX, copy of refund check, and proof of mailing. | Document Uploaded. ; Document Uploaded. Hi Pls see the XXX it clearly states XXX Fee Changes XXX/XXX increase, why do they need to go into specifics when its obviously the Fees can increase. This should be sufficient this may need to be escalated | XXX | Lender confirmed title insurance fees are not paid to an affiliate; Exception resolved; Lender confirmed XXX fees are not paid to an affiliate; Exception resolved; The fee is paid to an affiliate and therefore cannot increase without a valid XXX. Indicating the fee name that is change is not sufficient. When a lender issues a revised loan estimate reflecting an increase in fee(s) subject to tolerance, sufficient XXX documentation is required to rebaseline fee amounts. The regulation provides that "the creditor must be able to show compliance with § 1026.19(e) by documenting the original estimate of the cost at issue, explaining the reason for revision and how it affected settlement costs, showing that the corrected disclosure increased the estimate only to the extent that the reason for revision actually increased the cost, and showing that the timing requirements of § 1026.19(e)(4) were satisfied." To comply with the XXX requirements and rebaseline fee amounts, XXX will look to the XXX documentation in file to include the components enumerated within the regulations as set forth in the preceding paragraph. The XXX documentation, at a minimum, should include: 1) The original estimate of the cost (can be documented through fee amounts disclosed on the initial LE); 2) specific reason for the revision and how it impacted the specific fee(s) that increased; 3) the revised amount (can be documented through fee amounts disclosed on the revised XXX but increase must correspond with actual change resulting from documented XXX and only fees related to the specific XXX are considered for rebaseline); and 4) the date of the changed circumstance (i.e. the date the creditor received information sufficient to establish that one of the reasons for revision provided under § 1026.19(e)(3)(iv)(A) through (F) has occurred) | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2025120544 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Per Lender Guidelines no collections allowed in the last XXX months. The borrower has a collection account reporting XXX that was also paid XXX per credit supplement provided. The collection account was opened XXX < XXX months. | Document Uploaded. | XXX | Lender exception for collection XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. C B C B C B A A C A C C A C C C A C C C A C C C A C C C A C B B A A B B A A B B A A B B A A B B A A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120544 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2025120088 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | XXX required: A refund in the amount of $XXX, cure package: PCCD with XXX, copy of refund and proof of delivery. The Appraisal fee increased on the CD issued XXX without a valid reason. Per the invoice issued XXX, the borrower paid the full amount dated XXX. 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).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.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). | Document Uploaded. Uploaded cure docs. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120088 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120088 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120044 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Transaction is not XXX | The borrower is the owner of the originating lender brokerage firm. Per Guidelines XXX XXX are not allowed-Owner, XXX or XXX of the origination lender. | Document Uploaded. | XXX | Lender exception for XXX approved by investor on XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120044 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120044 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120150 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Guidelines require a verification of existence of business within XXX days of closing. Missing the XXX day Verbal XXX for business XXX. listed on the Final 1003. | Document Uploaded. | XXX | Reverification of borrower's XXX business verified. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120150 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120150 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120144 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) 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 XXX and XXX) 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 XXX and XXX) 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. Documentation required: There's no evidence of the initial CD issued XXX in the loan file. | Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025120144 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.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). XXX required: A refund in the amount of $XXX, cure package: PCCD with XXX, copy of refund and proof of delivery or initial CD. The Lender credit decreased on the CD issued XXX; however, there's a valid coc (interest rate change) in the loan file dated XXX for the missing initial CD issued XXX | Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025120144 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or XXX fees for non-subject property | Audit could not locate verification of XXX dues for property located on XXX. | Document Uploaded. | XXX | XXX dues for XXX property located on XXX received and DTI updated. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025120144 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025120173 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | The Purchase Contract expired XXX. The loan closed XXX. Provide a signed Purchase Contract extension to XXX. | Document Uploaded. ; Document Uploaded. | XXX | Contract extension received signed by Buyer but not signed by Seller. XXX to accept email from Settlement Agent confirming not required. Condition cleared.; Contract Extension provided is not signed by the Seller. Please provide a contract extension to XXX that is executed by all parties. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120173 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Guidelines required a XXX housing history. The Final 1003 reflects the borrower has been renting for over XXX years paying $XXX per month. The 1008 also reflects the current housing payment is $XXX. The file contains a letter from the borrower stating that she is living rent free with family. Please provide an explanation for the discrepancy and proof of the XXX months housing history payment and/or a letter from family stating the borrower has resided rent free with the time frame noted. | Document Uploaded. Pls note I've attached the Ext to Sales Contract even though Title doesn't req, I cant upload to the Condition; Hi, the Bwr resided Rent-Free as per XXX, there was an error on 1003/1008, we will submit a updated 1003/1008 removing this info | XXX | Housing History Meets Guideline Requirements; Corrected 1003/1008 not attached. Please provide corrected documentation as mentioned in previous rebuttal comment. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120173 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Guidelines require a verification of existence of business within XXX days of closing. Please provide a Verbal Verification of Employment dated within XXX days of the closing date. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120173 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120173 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120188 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 XXX Letter Missing | Borrower 1 XXX Letter Missing Although a XXX letter was provided confirming XXX% ownership and a XXX% expense ratio, it is dated more than XXX days prior to the Note date. | Document Uploaded. | XXX | Borrower 1 Updated XXX Letter with revised date of XXX received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120188 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. XXX Compliant |  |  | XXX Compliant; Informational Only; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120188 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120030 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120030 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120030 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120178 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Document Uploaded. | XXX | Third party valuation product provided within tolerance. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120178 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120178 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120105 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Guidelines require a VOE within XXX days of closing. Please provide a VOE dated XXX or later for XXX income sources. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120105 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Guidelines require a VOE within XXX days of closing. Please provide a VOE dated XXX or later | Document Uploaded. | XXX | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120105 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120105 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120474 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 XXX Profit & Loss Missing | Borrower 1 XXX Profit & Loss Missing The file is missing the XXX month Profit and Loss Statement prepared by XXX/Tax Preparer. Provide the Profit and Loss Statement for further review. | Document Uploaded. | XXX | Borrower 1 XXX Profit & Loss Provided and matched income used by Lender to qualify. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120474 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120474 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120511 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required: Provide Initial CD for testing. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) 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 XXX and sXXX) 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 XXX and XXX) 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. | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120511 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | Documentation required: Provide all XXX and CD's for testing along with supporting XXX. Loan file contained Initial XXX and Final CD. 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).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.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). | Document Uploaded. This should clear all the Compliance Conditions | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120511 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). | Document Uploaded. | XXX | Evidence of appraisal delivery provided. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120511 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120511 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120456 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120456 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120456 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120070 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | Per the lender's Clear to Close document, the contract closing date is listed as XXX. If the actual closing occurs after this date, a fully executed extension must be executed at or prior to closing. The subject loan closed on XXX; however, the audit team was unable to locate a copy of the required extension. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120070 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation XXX.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant; XXX compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120070 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120133 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 XXX Letter Missing | Borrower 1 XXX Letter Missing While the XXX letter was provided verifying borrowers self-employment, it's not dated nor could audit locate verification of the XXX PTIN number was validated. | Document Uploaded. XXX has now dated the letter. See upload. ; Document Uploaded. I uploaded the XXX lookup tool for validating tax preparers using the ID # on the letter. I will ask the XXX to date the letter and will upload once received.; Disregard. I didn't realize you need more information. I will get back to you on this.; Document Uploaded. XXX letter re-uploaded. | XXX | Borrower 1 XXX Letter Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120133 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Audit could not locate verification of the existence of the borrowers business dated within ten (XXX) days of closing. | Document Uploaded. XXX has confirmed borrower's business is still operating. See email from XXX uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120133 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120133 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120069 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation XXX.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established escrows and appraisal requirements met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120069 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120069 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120087 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Per XXX-No Collections in the last XXX months. The borrower has a collection that last report XXX which is < XXX months. | Document Uploaded. | XXX | Lender exception for collection XXX Borrower has stable job time - Borrower has XXX years on job. C B C B C B A A A A C C A A C C A A C C A A C C A A C C A A B B A A B B A A B B A A B B A A B B A A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120087 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation XXX.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX Compliant |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120087 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120152 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120152 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120152 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120432 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | 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).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.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). XXX Cure required: Cure of $XXX required for addition of Discount Points of $XXX, increase in Broker fee from $XXX to $XXX, and increase in Transfer Taxes from $XXX to $XXX. A XXX was provided dated XXX; however, corresponding XXX was not in loan file. Cure requires PCCD, XXX, copy of refund check, and proof of mailing or remitting revised XXX for testing. | Document Uploaded. | XXX | Valid XXX and applicable XXX provided; Exception resolved; Valid XXX and applicable XXX provided; Exception resolved; 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).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120432 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.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). XXX Cure required: Cure of $XXX required for decrease in Lender Credits from $XXX to $0. A XXX was provided dated XXX; however, corresponding XXX was not in loan file. Cure requires PCCD, XXX, copy of refund check, and proof of mailing or remitting revised XXX for testing. | Document Uploaded. | XXX | Revised XXX and applicable XXX provided; Exception resolved; Revised XXX and applicable XXX provided; Exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120432 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120432 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025120228 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120228 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120228 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120176 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The Final 1003 reflects the borrower has been renting for XXX (XXX) years and is paying $XXX rent per month. The file contains a Rent Free letter from a friend stating she has been residing at his property rent free for the past XXX years. Please provide an explanation for the discrepancy and provide updated documentation based on current housing status. If the borrower pays rent, provide proof of the last XXX months rental payment history, max XXX. | Document Uploaded. Pls understand that was an error on 1003/1008 which has since been corrected, thanks | XXX | Borrower lives rent free. Corrected 1003 received. Housing History Meets Guideline Requirements. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120176 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120176 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120489 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Missing VVOE XXX days prior to closing for B2 | Document Uploaded. | XXX | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120489 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Audit could not locate verification of the existence of the borrowers business dated within ten (XXX) days of closing. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120489 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. File did not include the final settlement statement for the sale of $XXX XXX netting $XXX and the satisfaction of lien with XXX. | Document Uploaded. | XXX | Audited Reserves of $XXX are equal to or greater than XXX Required Reserves of $XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120489 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | 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) File is short $XXX in reserves. File did not include the final settlement statement for the sale of $XXX XXX netting $XXX and the satisfaction of lien with XXX. | Document Uploaded. | XXX | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120489 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing final XXX from sale of non-subject property | File did not include a copy of the final fully executed settlement statement for the sale of the borrowers departing property located on XXX netting $XXX and the satisfaction of XXX XXX. | Document Uploaded. | XXX | Signed final CD for the sale of departure residence located on XXX received and confirms the payoff of XXX. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120489 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120489 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120039 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation XXX.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an XXX and it meets the XXX and Appraisal Requirements. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120039 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120039 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120086 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | XXX Cure required: Cure of $XXX required for increase in XXX fee. XXX provided insufficient as it does not provide why fee increased. Cure requires PCCD, XXX, copy of refund check, and proof of mailing. 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).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.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). | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120086 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120086 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120132 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing VOR and XXX for previous XXX | This is being done on the XXX : | XXX | Housing History Meets Guideline Requirements; ; XXX requires a residential pay history of XXX. Please provide payment history for prior residence to complete a full XXX months (only XXX months for current residence verified). | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | B | B D A | B D A | B D A | B D A | B D A | B A | B A | B A | B A | B A | B |
| 2025120132 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Incorrect XXX used - XXX form model XXX used for refinance not with Original Lender or Lender Affiliate | Incorrect rescission model used - XXX form model XXX (Same Creditor) used for refinance not with Original Lender or Lender Affiliate Subject is cash-out refinance using a new creditor. Preliminary title in loan file and Note indicates XXX was to an XXX and not entity. Subject is refinanced with entity. Cure requires re-opening of rescission and corrected XXX, PCCD, XXX, and proof of mailing. | Document Uploaded. | XXX | Cure package provided to the borrower | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | B | B D A | B D A | B D A | B D A | B D A | B A | B A | B A | B A | B A | B |
| 2025120132 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE XXX prior to closing | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided; ; Please provide VVOE dated within XXX days of Note date for B1's business listed as "XXX " (VVOE attached was for B2's business). Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | B | B D A | B D A | B D A | B D A | B D A | B A | B A | B A | B A | B A | B |
| 2025120132 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Missing VVOE within XXX of closing for Schedule XXX | Document Uploaded. | XXX | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX); ; Please provide VVOE for B2's 2nd self employment position listed as XXX on the final 1003 (VVOE provided is for B2's primary self employment with XXX). | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | B | B D A | B D A | B D A | B D A | B D A | B A | B A | B A | B A | B A | B |
| 2025120132 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing Need a XXX year history for XXX |  |  | Income XXX Months Income Verified is Present Or Not Applicable | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | B | B D A | B D A | B D A | B D A | B D A | B A | B A | B A | B A | B A | B |
| 2025120132 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Satisfactory Chain of Title not Provided | Unsatisfactory XXX provided Missing XXX chain of title | Document Uploaded. It's under the informational notes. Thanks. | XXX | Chain of title reflected on page XXX. Condition rescinded. | XXX | D B A | B | B D A | B D A | B D A | B D A | B D A | B A | B A | B A | B A | B A | B |
| 2025120523 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Overdraft/NSF Count Exceeds Tolerance | Guidelines Max XXX: XXX in the past XXX months - XXX-borrower had XXX Months: XXX. Client acknowledges. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120523 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | 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).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.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). XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, XXX, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Transfer Taxes. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | XXX | Received copy of PCCD, XXX, refund check and proof of delivery for testing- exception cured.; Cure package did not contain a copy of the check, will downgrade upon receipt of the copy of the check; The XXX is dated XXX but the loan amount increased on the XXX dated XXX and did not increase after that. The increase in transfer taxes were not disclosed timely | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120523 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | XXX | Required Affiliated Business Disclosure Documentation Provided | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120523 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120434 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Guidelines require a verification of existence of business within XXX days of closing. Please provide documentation dated XXX or later. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120434 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120434 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120097 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Potential Occupancy/Current Address Issues identified in the file | The intent and/or status of the borrower's occupancy is not supported in the file. The borrower received pro-rated rent and the security deposit of the occupying tenant at closing. The sales contract called for the seller to provide the existing lease to the buyer as a condition of the sale. That lease is not in the file. Neither is any indication that the borrower has informed the tenant of the need to vacate the premises. Unless the borrower can provide proof of intent to occupy the subject property as her primary residence within XXX months of closing, the occupancy condition under which the loan was granted is misrepresented and could result in the loan being restructured, or require repayment in full. A notice to vacate from the buyer to the tenant is needed to clear this condition. | Document Uploaded. | XXX | XXX of borrower's occupancy supported. Received a copy of the XXX of Termination on the property. Sufficient documentation was received. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120097 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120097 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120040 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only; ; XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120040 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only; ; XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120040 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120195 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | The XXX Credit Report pull date: (XXX) on the Credit Scores card, as found on the Credit Liabilities page must be inside XXX-days of consummation date: (XXX) on the Note Info card as found on the Note page. Please make appropriate corrections. Guidelines do not require a XXX report be obtained within XXX days of closing |  |  | Borrower 1 XXX Credit Report is not expired.; | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - <br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120195 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or XXX fees for non-subject property | The PITIA for the borrower's primary residence and rental property are undocumented and need to be verified. Both properties are reported to be free and clear of mortgages. That will need to be confirmed as well as the taxes, insurances and any XXX fees as applicable. | Document Uploaded. ; Document Uploaded. | XXX | XXX documentation received. Condition cleared.; Thank you for providing the documentation regarding XXX and XXX. Please provide taxes, insurance, and XXX (if applicable) of $XXX and proof owned free and clear for XXX Terrace listed on the final 1003 (property XXX). Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - <br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120195 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.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). XXX Cure required: Cure of $XXX required for decrease in lender credits. XXX provided indicates initial rate lock as of XXX; however, lock sheet in file shows loan locked on XXX; redisclosure exceeds the XXX day waiting period. Cure requires PCCD, XXX, copy of refund check, and proof of mailing. | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - <br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120195 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | 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).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.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). XXX Cure required: Cure of $XXX required for increase in discount points. XXX provided indicates initial rate lock as of XXX; however, lock sheet in file shows loan locked on XXX; redisclosure exceeds the XXX day waiting period. Cure requires PCCD, XXX, copy of refund check, and proof of mailing. | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - <br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120195 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - <br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025120181 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120181 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120181 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120067 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120067 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120067 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120464 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120464 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120464 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120508 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or XXX fees for non-subject property | Audit was unable to locate verification of XXX dues for the properties located on XXX, XXX, and XXX. | Document Uploaded. ; Document Uploaded. | XXX | Received sufficient documentation for each property to confirm no XXX fees were due. Resolved. ; Please provide verification of XXX dues for XXX properties located at XXX, XXX, and XXX (documentation provided verified PITI). Thank you. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025120508 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX. XXX. XXX. XXX - XXX Net Benefit Disclosure missing or no evidence it was provided prior to or at consummation or unable to validate tangible net benefit criteria | XXX. XXX. XXX - XXX Net Benefit Disclosure missing or no evidence it was provided prior to or at consummation or unable to validate XXX net benefit criteria. | Document Uploaded. it is listed on the 1008 | XXX | XXX. XXX. XXX - XXX Net Benefit Disclosure was provided prior to or at consummation. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025120508 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | XXX | Required Affiliated Business Disclosure Documentation Provided | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025120508 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025120381 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120381 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only; ; XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120381 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only; ; XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120065 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation XXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX compliant- Appraisal requirement met | Hey. Can you please advise what is needed to clear? Thanks | XXX |  |  | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2025120065 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Payment shock exceeds guideline | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. The maximum payment shock for XXX Homebuyers is XXX%. Lender Approved Exception granted for payment shock of XXX%. The Lender approved the Borrower's XXX% payment shock based on the following compensating factors: |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2025120065 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2025120140 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120140 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120140 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120098 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The 1008 reflects negative cash flow from the subject and an income loss from some source for B1. There is no documented loss in the file from business operations, and the negative income shown for the subject is understated as the file contains neither a lease nor a Form 1007. Provide documentation to support the the income loss for B1 and negative income for the subject property. | Document Uploaded. | XXX | Revised 1008 and 1003 were provided, exception resolved. ; Approval/Underwriting Summary is fully present; Material Finding | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025120098 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025120108 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or XXX fees for non-subject property | The XXX at XXX is shown without any PITIA at all. Either the financial information or a letter of explanation as to why there is no cost associated with the property, is needed from the borrower. | Document Uploaded. ; Document Uploaded. | XXX | PITI for XXX purchased on XXX documentation received. Condition cleared.; The statement provided is dated XXX which is a future date. Please provide current documentation to verify the PITIA for the XXX. Upon receipt, the DTI will need to be recalculated. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120108 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120108 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. XXX Compliant |  |  | XXX Compliant; Informational Only; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120284 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing final XXX from sale of non-subject property | Missing XXX from sale of XXX listed on the Final 1003. | Document Uploaded. | XXX | XXX Settlement Statement for the sale of XXX and verification of XXX payoff received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120284 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Transaction is not XXX | The Lender's guideline XXX does not allow XXX. The co-borrower is employed by the originating lender. | Document Uploaded. | XXX | Lender exception for XXX approved by lender on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. D C A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120284 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120284 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120305 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Hey, Can you please advise what is needed to clear? Thanks | XXX | ; Material Finding; XXX Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120305 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120305 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120042 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120042 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120042 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120259 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract Expired XXX. Provide an executed Purchase Contract Extension to XXX. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120259 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120259 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120049 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120049 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120049 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120490 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120490 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120490 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120279 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120279 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120279 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120066 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract indicates the settlement date is to be XXX days after the Seller's acceptance of the offer. The Seller accepted the offer on XXX, therefore, the closing date was to be by XXX. The subject loan closed on XXX. The loan file did not contain an addendum extending the settlement date. Please provide a fully-executed extension, as required by the Clear to Close Loan Approval. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120066 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120066 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120185 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120185 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120185 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120336 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Please provide credit score disclosure. | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120336 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120336 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120024 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120024 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120024 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120153 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No evidence of required debt payoff | The Lender required that XXX be paid at closing. The Final CD does not reflect the card was paid at closing. There are no documents in the file that reflects the card was paid prior to closing. The XXX report shows the account is still open. The Final 1003 lists the card with a balance and not being paid off but no payment was entered. The 1008 does not include the payment. The Lenders requirement is not met. | Document Uploaded. | XXX | Updated 1003 and 1008 including monthly payment for XXX and updated DTI. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120153 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation XXX.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders andXXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an XXX and it meets the Escrow and Appraisal Requirements. |  |  | XXX compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120153 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120036 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% DTI exceeds guidelines of XXX%. The lender did not add a payment for the XXX that the borrower opened on XXX in the amount of $XXX. Per Guidelines using XXX% of the maximum line to calculate the monthly payment. The loan does not meet the Lender's DTI requirement. | Document Uploaded. Attached Final Seller CD is attached. Pls note that the XXX was paid off w/the Sale of XXX | XXX | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%. Received documentation to support the XXX payoff. Cleared. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120036 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120036 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120503 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Payment shock exceeds guideline | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. Exception granted for payment shock. Maximum payment shock permitted: XXX% - XXX, actual payment shock XXX. Rationale: current home is owned free & clear. XXX has a mortgage. |  |  | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. Exception granted for payment shock. Maximum payment shock permitted: XXX% - XXX, actual payment shock XXX. Rationale: current home is owned free & clear. XXX has a mortgage. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 2025120503 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Provide evidence the appraisal was delivered to the borrower a minimum of XXX business days prior to consummation. The appraisal acknowledgment disclosure does not specify if the borrower waived the timing requirements or if the appraisal was received the minimum XXX days prior to consummation. | Document Uploaded. | XXX | Evidence of appraisal delivery provided. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 2025120503 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 2025120020 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Payment shock exceeds guideline | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. The payment shock of XXX% exceeds the lender's guideline maximum of XXX%. While the 1008 indicates an exception on rent-free in file, this is not reflected on the Credit Risk Summary (XXX). Audit identified an email chain discussing an exception; however, no final approval was located in the file. | Document Uploaded. ; Document Uploaded. | XXX | Guideline: payment shock maximum XXX%, actual XXX%. Exception to proceed with a higher payment shock approved. Borrower was living rent free, exception from management to proceed provided. ; The XXX provided does not reflect an approved exception for payment shock. If there was an approved exception, please provide a revised XXX reflecting what was approved. Thank you. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120020 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120020 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120494 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120494 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120494 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120022 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Cash Out Does Not Meet Guideline Requirements | Cash Out Does Not Meet Guideline Requirements Guidelines allow for a maximum cash out amount of $XXX. Cash to borrower equals $XXX. XXX in the file cites this exception and approval is granted. |  |  | Cash Out Does Not Meet Guideline Requirements Guidelines allow for a maximum cash out amount of $XXX. Cash to borrower equals $XXX. CRSE in the file cites this exception and approval is granted. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120022 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Business Bank Statements Missing | Borrower 1 XXX Bank Statements Missing Borrowers bank statements are missing. Please provide the XXX bank statements for XXX ending #XXX for review. | Document Uploaded. | XXX | Borrower 1 XXX Bank Statements Provided. Received copies of the bank statements - reviewed; confirmed and cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120022 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | No Cure Required. XXX Loan with established XXX and appraisal requirement met. Downgraded This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and 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 XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120022 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120220 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120220 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120220 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120014 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Lenders 1008 has several incorrect figures. The Primary housing expense is incorrect, the Negative cash flow is incorrect and the income is incorrect. Please update the documents with the correct figures and send back for review. | Document Uploaded. | XXX | Approval/Underwriting Summary is fully present. Updated documents were received.; Material | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120014 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. The Lender requires XXX months or $XXXreserves. The file does not contain sufficient funds to meet any reserves. The file documents $XXX, the borrower co-owns the business with the spouse at XXX%. Using XXX% of the asset value per the Lender's matrix is $XXX. The borrower needs $XXX to close the loan. The reserve requirement is not met. | Pls note that the Owners of the XXX are married therefore the Assets can be used, pls run up to Management | XXX | The required number of months reserves are to be seasoned does meet Guideline requirement. Confirmed borrower can utilize all funds from spouse's acct as XXX% usage. | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120014 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | 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 file documents $XXX, the borrower co-owns the business with the spouse at XXX%. Using XXX% of the asset value per the Lender's matrix is $XXX. The borrower needs $XXX to close the loan and XXX for reserves. The file is short $XXX for closing and reserves. | Pls not ethe Bwr is married and they both own the XXX therefore Funds can be used | XXX | Funds are found to meet guidelines. Confirmed borrower can utilize all funds from spouse's acct as XXX% usage. | XXX | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120014 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | The Purchase Contract expired XXX. The Loan Closed XXX. Provide a Purchase Contract Extension to XXX. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared.; Material | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120014 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120014 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120015 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120015 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120015 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120017 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract Expired on XXX. The Loan closed XXX. Provide an executed Purchase Contract Extension to XXX. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120017 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120017 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120059 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120059 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120059 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120068 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The loan file does not contain a 3rd party XXX dated within XXX days of closing for either of the Borrower's businesses. The subject loan closed on XXX. The latest dated verification of employment in the loan file for each of the Borrower's XXX businesses was dated XXX, which was greater than XXX days from closing. Please provide a 3rd party XXX dated within XXX days of closing for each business. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120068 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120068 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120130 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or XXX fees for non-subject property | Audit could not locate verification of XXX dues for properties located on XXX | Document Uploaded. | XXX | XXX documentation on XXX properties received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120130 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120130 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120114 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120114 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120114 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120006 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120006 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120006 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120131 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | Purchase contract shows an expiration date of XXX; prior to closing date of XXX. Need documentation to support the purchase contract was extended. | Document Uploaded. Uploaded extension. | XXX | Contract extension to XXX received. Condition cleared.; Material Finding | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120131 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party XXX Prior to Close Missing Guidelines require a verification of existence of business within XXX days of closing. Please provide a XXX dated XXX or later. | Document Uploaded. Oh XXX, I'm sorry! Now I have uploaded. :); Uploaded XXX. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided; No document uploaded. Please provide a reverification of the Borrower's business dated within XXX days of closing. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120131 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 XXX Letter Missing | Borrower 1 XXX Letter Missing Guidelines require a XXX letter confirming percentage of ownership. Provide a Third Party accountant letter, Operating Agreement (single member) or equivalent stating the ownership percentage. | Document Uploaded. Uploaded XXX - UW used this document to show XXX officers shown (both borrowers). | XXX | Borrower 1 CPA Letter Provided; Secretary of State cert received confirms B1 and B2 as the only owners of the business. Percentage of ownership is not necessary since both borrowers are on the loan and the Lender used the lowest mid score to qualify, therefore, no change in how the loan would be approved. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120131 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120131 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120323 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120323 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120323 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120158 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Provide the XXX disclosure dated within XXX business days of application | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided.; Material Finding | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 2025120158 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The Final CD reflects $XXX gift funds. The file is missing proof of the gift funds being provided to the XXX company. Provide a copy of the gift fund wire, certified check, cashier's check or money order. . | Document Uploaded. | XXX | Copy of wire from Gift XXX to Settlement Agent received and matches documentation in file. Asset Qualification Meets Guideline Requirements. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 2025120158 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 2025120037 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing Borrowers recently obtained a XXX on the property located at XXX. However, documentation does not include details regarding the principal and interest payments. Please provide a statement for review, ensuring the monthly payment does not exceed $XXX. | Document Uploaded. See page XXX | XXX | XXX report provided reflecting monthly payment for new XXX. Lender used higher payment to qualify conservatively. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120037 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Per lender matrix dated XXX, non-warrantable XXX are not permitted under the XXX program. | Document Uploaded. | XXX | Received an updated XXX. Guidelines state a Non-Warrantable XXX is not permitted under the Platinum Program. Property is a XXX. Compensating Factors : Qualifying Credit Score is XXX; DTI - XXX% (Housing); CoBorr with employer for XXX+ years; Payment decreasing by XXX; Payment Shock is only - XXX%; Reserves of XXX Months; Residual Income of $XXX; Credit History - XXX-last XXX months; Qualifying LTV is XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120037 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120057 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to XXX. |  |  | Informational Only; XXX Compliant | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120057 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120057 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120172 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party XXX Prior to Close Missing The loan file does not contain a 3rd party XXX dated within XXX days of closing. The subject loan closed on XXX. The latest dated verification of employment in the loan file was dated XXX, which was greater than XXX days from closing. Please provide a 3rd party XXX dated within XXX days of closing. | Document Uploaded. | XXX | Borrower 1 3rd Party XXX Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120172 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120172 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120011 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120011 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120011 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120454 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The loan is presented as a XXX-month bank statement approval. Only XXX months were analyzed and included in the file. Please provide an updated Credit Risk Summary & Exception Approval that reflects XXX Business Bank Statements or an additional XXX months bank statement for further review. | Document Uploaded. ; Document Uploaded. hey. my apologies I was unsure which ones you were missing so I sent them all. thanks | XXX | Updated CRSE reflecting XXX XXX received. Condition cleared.; Based on the Quick Calc worksheet in file and the income reflected on the final 1008, 1003, and income on the CRSE only XXX months was used to qualify (XXX). Since the program appears to be XXX months vs. XXX, please provide the Quick Calc worksheet that covers the XXX months and a revised 1003, 1008, and CRSE that reflects the XXX months of income calculated. Upon receipt, audit will need to re-calculate the income based on XXX months vs. the XXX months used to qualify. Thank you.; Material Finding | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025120454 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025120454 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025120035 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Borrower has XXX% ownership in the XXX, therefore the XXX assets are used for the borrower at a XXX% figure. This creates a shortage of borrowers reserves. Please provide asset statements which shows borrower having XXX months of reserves. | Document Uploaded. she has three accounts on the same statement; Hey. Can you please send me your calculations? Thank you | XXX | Audited Reserves of $XXX are equal to or greater than XXX Required Reserves of $XXX.; XXX $XXX; XXX (Business at XXX%) $XXX; Net proceeds $XXX (funds to close) = $XXX for reserves yet $XXX is required. | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120035 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | 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) Borrower has XXX% ownership in the XXX, therefore the XXX assets are used for the borrower at a XXX% figure. This creates a shortage of borrowers reserves. Please provide asset statements which shows borrower having XXX months of reserves. |  |  | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120035 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120035 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120232 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The Lender requires a XXX mortgage payment history. The credit report reflects the current lien opened XXX in the amount of $XXX. The credit report also reports a lien in the amount of $XXX opened XXX which reports through XXX. The XXX XXX in the file reflects that there was an additional lien opened XXX in the amount of $XXX.The file is missing the payment history for the lien opened XXX to complete the XXX months payment history requirement. Provide the payment history for the lien that was opened on XXX in the amount of $XXX for additional review. | Document Uploaded. ; Hey. If they closed in Oct, their XXX payment would have been XXX and then they refinanced in XXX; Document Uploaded. hey. this is for the borrower primary. | XXX | Lender exception for missing XXX months of Borrower's mortgage payment history approved by investor on XXX.; Please provide evidence the XXX payment due from the $XXX loan that opened XXX was paid prior to the funding of the new loan that opened on XXX (the 1/28/25 loan would not have funded in time to ensure the Borrower was not due for their XXX payment, therefore, the Borrower could have been XXX days delinquent when the new loan funded). Thank you.; We are missing the payment history for the mortgage that was opened XXX for $XXX that must have been refinanced with the mortgage for $XXX that opened up on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120232 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120232 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120081 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party XXX Prior to Close Missing The loan file does not contain a 3rd party XXX dated within XXX days of closing. The subject loan closed on XXX. The latest dated verification of employment in the loan file was dated XXX, which was greater than XXX days from closing. Please provide a 3rd party XXX dated within XXX days of closing. | Document Uploaded. | XXX | Borrower 1 3rd Party XXX Prior to Close Was Provided | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120081 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120081 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120115 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Per lenders matrix dated XXX - no XXX day consumer late payments in the last XXX months; no collections in last XXX months. Borrower has XXX and XXX day late payments on the credit report within the last XXX months along with a paid collection in the last XXX months. | Document Uploaded. | XXX | Lender exception for XXX, XXX, and collection within XXX months approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120115 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party XXX Prior to Close Missing Audit could not locate verification of the existence of the borrowers businesses dated within XXX (XXX) days of closing. | Document Uploaded. | XXX | Borrower 1 3rd Party XXX Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120115 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX is compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Hey. Can you please advise what is causing this loan to be high cost? | XXX | XXX compliant; Material; XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120115 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120452 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120452 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120452 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120025 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120025 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120025 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120084 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party XXX Prior to Close Missing Guidelines require a verification of existence of business within XXX days of note. Please provide a XXX dated XXX or later. | Document Uploaded. | XXX | Borrower 1 3rd Party XXX Prior to Close Was Provided | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120084 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120084 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120050 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The file is missing the full credit report dated XXX. The file contains an expired credit report from XXX and the XXX XXX-day report dated XXX. The XXX report reflects that there was full report obtained on XXX. Provide the full credit report dated XXXfor additional review. | Document Uploaded. | XXX | Borrower 1 Credit Report is not partially present. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120050 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120050 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120400 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120400 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120400 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120033 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120033 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120033 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120019 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120019 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120019 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120013 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120013 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120013 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120446 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Property | XXX project is ineligible | Per the XXX Project Questionnaire the complex is involved in open litigation. The file was originally denied due to multiple lawsuits associated with the property. The Lender made a decision to proceed the loans in the XXX on XXX and the file was put back into the Lenders pipeline. Per Lender Guidelines projects with pending or threatened litigation are typically ineligible. Litigation may be acceptable if it is determined to be minor and immaterial. Provide proof of eligibility review from the client that deems the property eligible. | Document Uploaded. | XXX | Lender exception for XXX project in open litigation approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C | C | C | C | C B A | A B | A B | A B | A B | A |
| 2025120446 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The origination credit report in the file is dated XXX. The XXX report dated XXX. The XXX report reflects a full report was obtained on XXX. Provide a copy of the full report dated XXX for additional review. | Document Uploaded. | XXX | Borrower 1 Credit Report is not partially present. | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C | C | C | C | C B A | A B | A B | A B | A B | A |
| 2025120446 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | The Initial CD issued XXX is missing. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXXl" or "XXX" or XXX, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX 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 XXX 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 XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C | C | C | C | C B A | A B | A B | A B | A B | A |
| 2025120010 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The Final CD reflects a $XXX gift was provided for funds to close. When the funds are not transferred prior to closing, the applicable Guidelines require the originator to document that the Donor gave the Closing Agent the gift funds in the form of a certified check, a cashier's check, money order, or wire transfer. The loan file missing verification that the Closing Agent received the gift funds. | Document Uploaded. | XXX | Gift wire receipt for $XXX received and matches gift letter and XXX. Condition cleared. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120010 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120010 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025120004 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120004 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120004 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120003 |  | XXX | XXX | XXX | XXX | XXX | Pending Credit Review | Initial Loan Review |  |  | XXX |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120444 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120541 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | XXX: uploaded |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120429 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Note Missing or Defective | Prepayment Penalty is not allowed per guidelines. For the state of XXX the max prepayment is XXX% for XXX year, XXX% for XXX year and XXX% for XXX year. The XXX in file XXX% for XXX months which is not allowed per guidelines. | XXX: PPP |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120538 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120531 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | XXX: CDA |  | XXX: Received | XXX | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120531 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Note Missing or Defective | Principal and interest payment listed on the Promissory Note reflects the incorrect amount of $XXX. Correct principal and interest payment is $XXX | XXX: Note |  | XXX: Received | XXX | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120531 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | Effective date of insurance is after loan closing date. Hazard insurance effective date reflects XXX and note date reflects XXX | XXX: Hazard |  | XXX: Received | XXX | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120537 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120493 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120418 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | DSCR Minimum Not Met | Missing short term rental income documentation supporting the tape value of $XXX | XXX: XXX |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120398 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120530 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Note Missing or Defective | Note reflects a monthly payment of $XXX but calculations indicate a monthly payment of $XXX. Please opine. | XXX: Note |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120534 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Missing or Defective | Missing credit reports for XXX and XXX: XXX | XXX: Credit report |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120525 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | XXX Insurance Missing or Defective | Commitment Title Schedule XXX is missing mortgagee clause after lender's name. Please provide updated XXX with XXX | XXX: Title |  | XXX: Received | XXX | C B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025120534 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Note Missing or Defective | Note reflects a monthly payment of $XXX but calculations indicate a monthly payment of $XXX. Please opine. | XXX: Note |  | XXX: Received | XXX | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120525 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Property | Ineligible Property – Square Footage | XXX square feet < XXX square feet minimum required per guidelines | XXX: Waiver in file |  | XXX: Waiver in file | XXX | FICO XXX, LTV XXX, months reserves XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025120525 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Hazard Insurance Missing or Defective | XXX in file does not reflect the XXX or address of subject property. Please opine | XXX: XXX |  | XXX: Received | XXX | C B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025120388 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Entity Documentation - Missing or Defective | Certificate of good standing reflects XXX members of the XXX, however the operating agreement only reflects XXX members. Please provide updated operating agreement reflecting all XXX members including authorized signors. | XXX: LOE |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120388 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | $XXX hazard insurance < $XXX minimum amount required. Please provide XXX for subject property or replacement cost. | XXX: XXX |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120342 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Missing or Defective | Credit report in file from XXX provides only one score from XXX, which is inelligible. Please provide updated report that provides a minimum of XXX credit scores. | XXX: Credit report |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120344 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Property | DSCR Minimum Not Met | Please provide XXX months rent receipts to use lease rent for qualifying value. | XXX: XXX |  | XXX: Waived | XXX | FICO XXX, DSCR XXX, XXX months reserves B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025120317 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120344 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Note Missing or Defective | Note in file reflects date of XXX. XXX is in the future. Please provide updated note with corrected date. | XXX: Note |  | XXX: Received | XXX | D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025120292 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120396 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | XXX Insurance Coverage - Inadequate Coverage | XXX commitment in file is a preliminary report that does not include coverage amount. Please provide updated title commitment or supplemental including sufficient coverage amount. | XXX: Title |  | XXX: Received | XXX | C B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025120314 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Property | Short Term Rental Income - Missing or Defective | Missing short term rental income documentation supporting the tape value of $XXX. Documents provided in file are not clear and do not line up with tape value. | XXX: XXX |  | XXX: Waived | XXX | FICO XXX, LTV XXX%, DSCR XXX B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025120328 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120369 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120522 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120257 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Property | Market Rent - Missing or Defective | 1007 in file reflects subject rent of $XXX. Per appraisal XXX comments subject rent reflects $XXX. Tenant is related to the borrower, and is charging only XXX the price of market rent. Please confirm this non-arm's length transaction has been approved by management | XXX: XXX |  | XXX: Waived | XXX | FICO XXX, LTV XXX, XXX months reserves B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025120396 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% > XXX% max LTV for vacant rate/term refinance transactions. | XXX: XXX |  | XXX: Waived | XXX | FICO XXX, DSCR XXX, XXX months reserves B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025120533 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Note Missing or Defective | Note reflects a monthly payment of $XXX but closing disclosure and tape value reflect a monthly payment of $XXX. Please opine. | XXX: Note |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120358 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Property | Subject Property Lease - Missing or Defective | Missing three months rent receipts to use higher lease rent | XXX: XXX |  | XXX: Waived | XXX | FICO XXX, DSCR XXX, XXX months reserves B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025120515 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | XXX: XXX |  | XXX: Received | XXX | D B A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025120227 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120309 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > max XXX% LTV allowed when using XXX for qualifying rental income per guidelines | XXX: XXX |  | XXX: Waived | XXX | FICO XXX, months reserves XXX, DSCR XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025120515 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > max XXX% LTV allowed when using XXX for qualifying rental income per guidelines | XXX: XXX |  | XXX: Waived | XXX | FICO XXX, months reserves XXX, DSCR XXX B A | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025120377 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | $XXX Hazard insurance coverage < $XXX minimum coverage required per XXX in file. | XXX: Coverage provided |  | XXX: Received | XXX | C B A | N/A | N/A C B | N/A C B | N/A C B | N/A C B | N/A C B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025120377 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive Cash-Out Refinance | XXX% LTV > XXX% max LTV allowed for cash out amounts greater than $XXX | XXX: Waived via XXX |  | XXX: Waived | XXX | FICO XXX, months reserves XXX, XXX B A | N/A | N/A C B | N/A C B | N/A C B | N/A C B | N/A C B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025120419 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120276 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120481 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120347 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120479 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Asset Documentation Missing or Defective | $XXX liquidity < $XXX cash to close and XXX months reserves required. Please provide updated asset documentation. | XXX: Assets via email |  | XXX: Received via email | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120275 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120378 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120312 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120253 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% max LTV allowed for cash out amounts greater than $XXX | XXX: Waived via XXX |  | XXX: Waived | XXX | FICO XXX, months reserves XXX, borrs have owned subj for XXX years B A | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025120318 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120436 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120297 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Entity Documentation - Missing or Defective | Missing operating agreement for: XXX | XXX: XXX |  | XXX: Reeived | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120205 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120373 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Missing or Defective | Credit report in file from XXX provides only one score from Experian. Please provide updated report that provides a minimum of XXX credit scores. | XXX: Credit report |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120310 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120483 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120287 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for property : XXX Street | XXX: Uploaded CCA. |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120280 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% LTV limit for vacant refinance | XXX: Uploaded XXX. |  | XXX: Exception approval received | XXX | FICO XXX, DSCR XXX, XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025120218 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | XXX missing policy number. Please provide updated XXX | XXX: XXX |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120230 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120194 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120302 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120261 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120155 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | XXX: CDA |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120243 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | XXX: CDA |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120282 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120486 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | XXX: CDA |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120486 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | XXX missing policy number. Please provide updated XXX | XXX: Hazard |  | XXX: Received | XXX | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120346 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Sales Contract Missing or Defective | Missing addendum to purchase contract reflecting the sales price of $XXX | XXX: Purchase contract |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120539 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120466 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120477 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property:XXX | XXX: CDA |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120193 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120215 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | XXX Missing or Defective | Pending litigation reflected on XXX questionnaire. Please provide documentation for litigation | XXX: Court doc |  | XXX: Received | XXX | D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025120206 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120221 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required | XXX: Title |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120094 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120169 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | DSCR Minimum Not Met | Audit DSCR of XXX does not align with client DSCR of XXX. Monthly Breakdown: Income $XXX/ PI $XXX, Taxes $XXX, Insurance $XXX. Using STR income of $XXX from Lillian XXX, which does not align with client tape's STR income of $XXX. Please provide further documentation to support tape value. | XXX: STR |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120154 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | DSCR Minimum Not Met | Audit DSCR of XXX does not align with client DSCR of XXX. Monthly Breakdown: Income $XXX/ PI $XXX, Taxes $XXX, Insurance $XXX. Using rents off the XXX. Please provide further documentation to support tape value of $XXX. | XXX: XXX |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120092 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120215 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% max allowed for the use of XXX as qualifying income | XXX: XXX |  | XXX: Waived | XXX | FICO XXX, DSCR XXX, XXX months reserves B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025120175 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120281 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120127 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property:XXX | XXX: ordered through XXX |  | XXX: Acceptable appraisal review received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120223 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120251 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120170 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | DSCR Minimum Not Met | Audit DSCR of XXX does not align with client DSCR of XXX. Monthly Breakdown: Income $XXX/ PI $XXX, Taxes $XXX, Insurance $XXX. Using STR income of $XXX from XXX, which does not align with client tape's STR income of $XXX. Please provide further documentation to support tape value. | XXX: STR |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120071 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120120 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Flood Insurance Missing or Defective | The provided flood insurance for the subject property expired on XXX. Please provide updated flood insurance. | XXX: Master |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120316 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120262 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120182 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | $XXX tinsurance coverage < $XXX minimum insurance required. Please provide updated insurance or replacement cost | XXX: Replacement |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120269 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | XXX: CDA |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120267 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | XXX: CDA |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120199 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120183 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% max allowed for the use of XXX as qualifying income | XXX: XXX |  | XXX: Waived | XXX | FICO XXX, DSCR XXX, XXX months reserves B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025120056 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120047 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120527 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Closing Protection Letter Missing or Defective | Closing Protection Letter is missing mortgagee clause after lender's name. Please provide updated CPL with XXX | XXX: XXX |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120148 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120219 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for the subject property: XXX | XXX: XXX |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120472 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120204 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing Appraisal review for the Subject Property : XXX | XXX: XXX |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120249 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120171 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120291 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120422 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120061 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120121 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Insufficient Assets for Reserves | Audited Reserves of XXX month(s) are less than Guideline Required reserves of XXX month(s). | XXX: Bank |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120202 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Payoff Statement Missing or Defective | Missing payoff statement for the release of XXX of XXX County for $XXX | XXX: Updated title |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120222 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing Appraisal review for the Subject Property : XXX | XXX: XXX |  | XXX: Received | XXX | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120179 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The Loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120075 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The Loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120192 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing Appraisal Review for the Subject Property : XXX | XXXXXX: CDA |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120112 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The Loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120222 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Insufficient Assets for Reserves | Audited Reserves of XXX month(s) are less than Guideline Required reserves of XXX month(s) . Missing Proceeds from XXX | XXX: Bank |  | XXX: Received | XXX | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120117 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The Loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120100 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | XXX is missing mortgagee clause after lender's name. Please provide updated XXX with XXX | XXX: Hazard |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120129 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The Loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120157 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The Loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120455 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The Loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120212 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120142 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120073 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120217 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120082 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Minimum Credit Score Requirement Not Met | XXX FICO < XXX minimum FICO for cash out refinance transactions. | XXX: Waiver in file |  | XXX: Waiver in file | XXX | DSCR XXX, Months Reserves XXX, Max LTV XXX% B A | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025120151 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120168 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120285 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120111 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120263 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | XXX is missing mortgage clause after lender's name. Please provide updated XXX with XXX. | XXX: XXX |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120197 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120216 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | XXX is missing mortgage clause after Lender's name. Please provide updated XXX with XXX after XXX. | XXX: Insurance |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120091 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Short Term Rental Income - Missing or Defective | Missing short term rental income documentation supporting the tape value of $XXX. Utilizing 1007 market rental amount of $XXX | XXX: Tape |  | XXX: Received tape via email | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120077 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Missing or Defective | Credit report in file dated XXX is only showing one score from Experian. Please provide updated credit report showing at least XXX scores. | XXX: XXX |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120245 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120096 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120079 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120078 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120260 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120308 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Subject Property Lease - Missing or Defective | Missing XXX months' rent receipts to use as qualifying rent. | XXX: Rent |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120469 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120099 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120016 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120052 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120184 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review document for subject property : XXX | XXX: XXX |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120371 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120128 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120141 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | XXX is missing policy number. Please provide the updated hazard insurance | XXX: Hazard |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120045 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Entity Documentation - Missing or Defective | Missing Articles Of Organization for: XXX | XXX: Articles |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120104 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120031 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Entity Documentation - Missing or Defective | Missing operating agreement for borrowing entity: XXX. The good standing document provided in file reflects XXX and XXX as title managers but XXX is the only one on the note/mortgage. Please provide operating agreement or resolution allowing signing authority. | XXX: Overlay |  | XXX: Overlay given to allow for spouses. | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120237 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120045 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Entity Documentation - Missing or Defective | Operating agreement in file reflects "XXX", which does not match XXXentity on security instrument. Please provide operating agreement for "XXX" | XXX: Articles |  | XXX: Received | XXX | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120107 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Credit |  | XXX: Received | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120046 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120146 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing Appraisal Review for subject property: XXX | XXX: CDA |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120106 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120295 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Minimum Loan Amount Not Met | $XXX loan amount < $XXX, minimum required | XXX: XXX |  | XXX: Waived | XXX | FICO XXX, DSCR XXX, XXX months reserves B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025120147 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Subject Property Lease - Missing or Defective | Missing three months rent receipts to use higher lease rent of $XXX for unit XXX | XXX: email |  | XXX: Received approval to use market rent total via email | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120248 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120186 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Credit |  | XXX: Received | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120062 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Credit |  | XXX: Received | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120124 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Credit |  | XXX: Received | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120113 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Credit |  | XXX: Received | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120085 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120461 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120355 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Subject Property Lease - Missing or Defective | Missing lease and XXX months rent receipts to support the underwriter's qualifying income of $XXX. TPR currently using 1007 market rent of $XXX | XXX: CRSE |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120295 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% mas LTV due to loan amount below $XXX | XXX: Waiver in file |  | XXX: Waived | XXX | FICO XXX, DSCR XXX, XXX months reserves B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025120159 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120337 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV < XXX% maximum LTV for refinance in a declining market | XXX: XXX |  | XXX: Waived | XXX | FICO XXX, DSCR XXX, XXX months reserves B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025120076 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV < XXX% maximum LTV for a refinance transaction in a declining market and with a cash out greater than $XXX. | XXX: XXX |  | XXX: Waived | XXX | FICO XXX, DSCR XXX, XXX months reserves B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025120135 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120032 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120167 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120196 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120103 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120198 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120093 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120294 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Ineligible Property – XXX Non-compliance | Property is zoned as commercial which is ineligible per guidelines | XXX: Revised appraisal |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120018 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120119 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120043 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120506 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120048 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120521 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120502 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120277 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120166 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120027 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive Cash-Out Refinance | $XXX cash to borrower > $XXX max cash out amount for XXX% LTV | XXX: XXX |  | XXX: Waived | XXX | FICO XXX, DSCR XXX, XXX months reserves B A | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025120001 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120089 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120063 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120058 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120116 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120008 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | Hazard Insurance not effective at the time of origination. Origination date; XXX - Hazard Insurance effective date; XXX | XXX: XXX |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120028 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120118 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120080 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120437 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120064 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Closing Protection Letter Missing or Defective | Missing Closing Protection Letter (XXX) | XXX: XXX |  | XXX: Received | XXX | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120123 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120053 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120009 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120038 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120064 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Ineligible Property – XXX Non-compliance | Property is mixed use which is ineligible per guidelines | XXX: XXX |  | XXX: Received | XXX | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120007 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120026 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120041 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120453 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120134 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120459 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120021 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | Hazard insurance is not effective for XXX-days after the date of funding which is inelligible per guidelines. Please provide updated hazard insurance that is effective until at least XXX | XXX: Hazard |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120468 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% LTV limit for vacant XXX | XXX: XXX |  | XXX: Waived | XXX | FICO XXX, DSCR XXX, XXX months reserves B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025120394 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Property | Ineligible Property – Square Footage | XXX square feet < XXX minimum required square feet. Property is ineligible as per guidelines | XXX: XXX |  | XXX: Waived | XXX | FICO XXX, DSCR XXX, XXX months reserves B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025120002 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120023 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120034 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120125 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120005 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120273 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The business is owned by by the borrower and co-borrower per XXX letter. The borrower own's XXX% and the co-borrower own's XXX%. The Final 1003 reflects XXX% of the business income on the borrower's application and no income for the co-borrower. Provide complete, accurate and executed Final 1003 that reflect the borrower's income at XXX% ownership and add the business to the co-borrower's Final 1003 with income at XXX% ownership. | Document Uploaded. Uploaded 1008 and 1003 with income split out between the XXX borrowers. | XXX | The Final 1003 is Present | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120273 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or XXX fees for non-subject property | The borrower disclosed additional expense of $XXX, however, the mortgage statement reflects XXX and XXX confirms no XXX for property located at XXX XXX. Need evidence of additional expense. | Document Uploaded. The XXX mistakenly included the taxes and insurance for XXX XXX not realizing the mortgage is XXX. I have removed the $XXX amount. See updated 1008, 1003, and XXX with DTI adjusted. | XXX | Updated 1003, 1008, and XXX received correcting error. Condition resolved. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120273 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120273 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120322 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. 1.) Per the XXX, the XXX is classified as non-warrantable, which is not eligible under XXX guidelines. 2.) The appraiser indicates the project contains XXX units, while the XXX questionnaire states there are XXX units. The appraisal must be updated to reflect the correct number of units. | Document Uploaded. The appraiser has corrected the appraisal. See upload.; Document Uploaded. Uploaded XXX for exception for XXX. | XXX | Corrected appraisal received reflecting XXX units. Condition cleared.; Thank you for providing the approved exception for the XXX, however, the 2nd part of this exception remains open. The condo questionnaire reflects XXX units in the project yet the appraisal reflects only XXX. Please provide either a corrected XXX questionnaire or corrected appraisal report. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2025120322 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or XXX fees for non-subject property | Audit was unable to locate supporting documentation verifying PITIA for the property located on XXX not to exceed a monthly payment of $XXX. | Document Uploaded. Uploaded mtg stmt showing XXX and XXX statement. | XXX | XXX for XXX documented and supports what was used to qualify. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2025120322 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Audit could not locate initial credit report dated XXX. | Document Uploaded. Uploaded credit report. | XXX | Borrower 1 Credit Report is not partially present. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2025120322 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Per lender guidelines XXX, all XXX accounts must be brought current prior to or at closing. Audit was unable to locate supporting documentation confirming that the XXX account, currently reporting a past due balance of $XXX, has been brought current. | Document Uploaded. Uploaded XXX for exception. | XXX | Lender exception for delinquent credit not brought current approved by investor on XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2025120322 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Purchase Contract is Expired | XXX Clear to Close indicated that the loan must close by XXX, or an extension would be required. The loan ultimately closed on XXX, and no updated extension reflecting the revised closing date could be located in the file. | We have been told this condition type will be waived regarding contract extensions. | XXX | Per Investor they will purchase as is because all parties executed the closing documents. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 2025120435 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The Electronic Consent document is missing. The XXX and Initial CD are all e-Signed. | Document Uploaded. Uploaded eConsent. | XXX | Evidence of eConsent is provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120435 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120435 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120244 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Final 1003 lists the property on XXX XXX as an Investment. Per the Final 1003's for Borrower 1 and 2 this is the XXX. Provide a corrected and executed Final 1003 that reflects the property on XXX XXX as the XXX. | Document Uploaded. Uploaded 1003 correcting primary residence indicator in the XXX section. | XXX | Updated final 1003 received correcting XXX to reflect primary residence in XXX section. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120244 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120244 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120516 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Exception granted by investor on XXX to allow the use of XXX income as it is a non-taxable income. | Document Uploaded. | XXX | Lender exception to allow the use of XXX income approved by investor on XXX.; The CRSE approving the use of XXX income reflects XXX months of reserves as a comp factor, however, only XXX months were documented. Please provide a revised CRSE with the correct reserves. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 2025120516 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The DTI exceeds XXX% by .XXX% due to the lender qualifying B2 with XXX (Basic Allowance for Substance) from the XXX. Per Guidelines the only military benefits that can be used in additional to Basic Pay is Flight Pay, quarters allowance and closing allowance. | Document Uploaded. | XXX | Lender Exception received allowing the use of XXX / military pay to qualify. DTI resolved and exception to be acknowledged under Income/Employment guideline upon receipt of corrected XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. D C A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 2025120516 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements XXX acct ending XXX is owned with a person that is not on the loan. The person appears to be the co-borrower's XXX. Provide an account access letter from XXX stating the the co-borrower has XXX/XXX% access to the funds in this account. | Document Uploaded. | XXX | Asset Qualification Meets Guideline Requirements | XXX | Borrower has stable job time - Borrower has XXX years on job. D C A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 2025120516 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 XXX Credit Report is Missing | Borrower 1 XXX Credit Report is Missing The lender requires a XXX Credit Report dated within XXX days of the closing The file is missing the required XXX Credit Report. | Document Uploaded. | XXX | Borrower 1 XXX Credit Report is not missing. | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 2025120516 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 XXX Credit Report is Missing | Borrower 2 XXX Credit Report is Missing The lender requires a XXX Credit Report dated within XXX days of the closing The file is missing the required XXX Credit Report. | Document Uploaded. | XXX | Borrower 2 XXX Credit Report is not missing. | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 2025120516 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Please provide Affiliated Business Disclosure for XXX. | Document Uploaded. | XXX | Required Affiliated Business Disclosure Documentation Provided | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 2025120516 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 2025120278 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX Higher-Priced Mortgage Loan Test | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX). Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in the XXX. While the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120278 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the XXX loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120278 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120278 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120485 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income/Employment General | A lease was provided to offset the mortgage payment for property owned in XXX; however, documentation is missing to confirm receipt of the XXX month's of rent $XXX and the $XXX. Additionally, a letter of explanation is required to clarify why the borrower sent $XXX to the tenant onXXX out of account #XXX. | Good morning. I already removed the lease income from the system so it's no longer being used to offset the mortgage. Can you please advise whatelse is needed in order to clear this condition? thanks | XXX | Lender removed rental income on XXX property and updated 1003/CRSE, however, uploaded the documentation to the Asset condition. Audit uploaded CRSE and revised 1003 to income condition and recalculated DTI. Condition cleared.; Document Uploaded. ; Document Uploaded. | XXX | Qualifying DTI below max allowed. - <br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025120485 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Initial XXX Disclosure | Initial XXX Disclosure is Missing Documentation Required to clear exception - Provide copy of Initial XXX. | Document Uploaded. | XXX | XXX Disclosure is Resolved | XXX | Qualifying DTI below max allowed. - <br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025120485 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset General | According to the XXX statement provided, a pending payment of $XXX was scheduled for XXX. The source of funds for this payment must be verified, as it may impact the funds available for closing and reserves on XXX. | Document Uploaded. | XXX | Revised 1003 adding XXX account and subtracting out pending $XXX payment along with revised CRSE reflecting updated assets/reserves received. Condition cleared. | XXX | Qualifying DTI below max allowed. - <br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025120485 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing Verification of Rent | Audit was unable to locate aXXX from the borrower's friend for the property located on XXX. The borrower has indicated that he resides at this location when not staying at XXX. | Document Uploaded. | XXX | Rent Free letter received. Condition cleared. | XXX | Qualifying DTI below max allowed. - <br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025120485 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower XXX Identification Document Missing | Non XXX Borrower is missing XXXt. The borrower is a XXX alien whose employment authorization expired on XXX. According to lender guidelines (XXX), documentation must be valid through the loan's XXX. The audit was unable to locate updated, unexpired documentation. | Document Uploaded. | XXX | Borrower Identification Document provided. | XXX | Qualifying DTI below max allowed. - <br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025120485 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying DTI below max allowed. - <br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025120311 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120311 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120303 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet XXX Requirements The Borrowers were qualified using funds held jointly with a non-borrower-XXX. The applicable guidelines require a letter from the non-borrower stating the Borrowers have XXX% access to the account. The loan file does not contain a letter from the non-borrower. Please provide a letter from the non-borrower stating the Borrowers have XXX% access to the account. | Document Uploaded. | XXX | Lender exception for missing XXX% access letter approved by investor on XXX. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120303 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120303 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120290 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). A XXX disclosure could not be found in the loan package. Please provide Credit Score Disclosure (XXX). | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120290 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120290 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120386 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | 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 $XXX.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). XXX XXX required: A refund in the amount of $XXX, cure package: XXX with XXX, copy of refund and proof of delivery. The Appraisal fee increased on the CD issued XXX without a valid reason. | Document Uploaded. ; Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX; The XXX did not contain a valid reason for the appraisal fee increase; provide clarification or cure | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120386 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX First Class " or "XXXy" or XXX, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX 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 XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. Documentation required to clear exception - Provide Initial Closing Disclosure dated XXX days prior to consummation - Closing Disclosure in file is dated XXX and signed XXX (consummation date).  | Document Uploaded. | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120386 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The Asset Qualifier Program requires all assets used to qualify under this program must be sourced and seasoned for a minimum of XXX (XXX) months. The file contains only one month statement for each account dated XXX. Missing statements from the same accounts dated XXX (XXX) months ago. | Document Uploaded. | XXX | XXX program requires XXX month seasoning, most recent statement, and a statement from XXX months prior. Each account reflects the value/balance over time for the preceding year, and balance from XXX months prior is supported. See UW explanation attached. Asset Qualification Meets Guideline Requirements. Condition cleared. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120386 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025120391 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party XXX Prior to Close Missing Audit could not locate verification of the existence of the borrowers businesses dated within XXX (XXX) days of closing. | Document Uploaded. Uploaded XXX. | XXX | Borrower 1 3rd Party XXX Prior to Close Was Provided | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120391 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Grant Deed Missing | Audit was unable to locate a copy of the deed transferring ownership from the XXXt to the borrower individually. | Document Uploaded. Uploaded quit claim deed. | XXX | Quit Claim Deed received. Condition cleared. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120391 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120391 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120391 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Cash Out Does Not Meet Guideline Requirements | Cash Out Does Not Meet Guideline Requirements Guidelines state maximum cash out of $XXX with a >XXX% LTV. XXX in the file cites this exception and approval is granted. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025120345 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Acknowledged | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: The subject property is classified as a non-warrantable XXX per the lock and condition approval. According to the XXX dated XXX, non-warrantable XXX are not permitted. | Document Uploaded. Uploaded XXX - exception added. | XXX | Lender exception for XXX approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120345 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Rescinded | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party XXX Prior to Close Missing Audit could not locate XXX dated within XXX (XXX) days of closing. | Document Uploaded. Closer located borr on XXX for the XXX. See upload. | XXX | Internet search confirmed Borrower was still listed as a staff member at the high school as of XXX and is located on page XXX. Condition rescinded. | XXX | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025120524 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The XXX Score is XXX and Collateral R&W is Not Eligible. Please provide a XXX within guideline tolerance. | Document Uploaded. | XXX | Third party valuation product provided within tolerance. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2025120524 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Final 1003, XXX: Financial Information-Real Estate, does not list the XXX /XXX that is being paid off with the subject loan. Provide a corrected and executed Final 1003 that list the XXX. | Document Uploaded. | XXX | The Final 1003 is Present | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2025120524 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2025120524 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2025120510 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120510 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120510 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120231 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120231 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120231 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120271 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120271 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120271 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120325 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. While the XXX XXX bank statement for account #XXX verifies a balance of $XXX the file also includes a printout dated XXX showing a balance of $XXX for the same account. This discrepancy results in a shortage of reserves. | Document Uploaded. I have updated the asset section of the 1003 to include the XXX. Uploaded 1008, 1003, and XXX. XXX months reserves.; Document Uploaded. | XXX | Audited Reserves of $XXX are equal to or greater than XXX Required Reserves of $XXX.; XXX is not listed in Section XXX/Assets section of the final 1003, therefore, we are unable to include it in the available reserve calculation. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120325 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX XXX are less than Guideline Required Reserves of XXX XXX While the XXX XXX bank statement for account #XXX verifies a balance of $XXX, the file also includes a printout dated XXX showing a balance of $XXX for the same account. This discrepancy results in a shortage of reserves. | Uploaded docs to other finding.; Document Uploaded. | XXX | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); XXX is not listed in Section XXX/Assets section of the final 1003, therefore, we are unable to include it in the reserve calculation. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120325 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 XXX Party XXX Prior to Close Missing: audit was unable to locate verification of the existence of the borrower's business, XXX XXX, dated within ten (XXX) days of closing. Although a XXX is included in the loan file, it is dated XXX, which exceeds the required timeframe. | Document Uploaded. | XXX | Borrower 1 3rd Party XXX Prior to Close Was Provided | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120325 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120325 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025120362 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Lenders 1008 has an incorrect P&I calculation. Guidelines require XXX XXX term qualified at XXX XXX AM full PITIA Payment. Please provide updated documents using the correct QM payment. | Document Uploaded. | XXX | Approval/Underwriting Summary is fully present | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120362 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation Required - Provide documentation confirming borrower's consent to esigned documents prior to signing initial disclosures on XXX. | Document Uploaded. | XXX | Evidence of eConsent is provided. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120362 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025120301 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Final 1003 reflects that the borrower's total income is $XXX, which is XXX% of the calculated bank statement income. Per the CPA letter in file the borrower and co-borrower are XXX owners. Provide a corrected and executed Final 1003 for each borrower reflecting the income at XXX ownership. | The program is XXX which full documentation for the income is required This is not a XXX | XXX | Exception does not apply to this loan (income and product type does not match). Condition rescinded. | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120301 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120301 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025120301 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.19

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.19**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Compliance Loan Grades DBRS** | **Initial Compliance Loan Grades Fitch** | **Initial Compliance Loan Grades Kroll** | **Initial Compliance Loan Grades Moody's** | **Initial Compliance Loan Grades S&P** | **Final Compliance Loan Grades DBRS** | **Final Compliance Loan Grades Fitch** | **Final Compliance Loan Grades Kroll** | **Final Compliance Loan Grades Moody's** | **Final Compliance Loan Grades S&P** |
| 2025120499 |  |  | XXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 2025120542 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120415 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120425 |  |  | XXX D | C | C | C | C | C A D B | B | B | B | B | B A |
| 2025120449 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120428 |  |  | XXX C | A | A | A | A | A B C | A | A | A | A | A |
| 2025120409 |  |  | XXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 2025120411 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2025120421 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025120395 |  |  | XXX A | B | B | B | B | B A | A | A | A | A | A |
| 2025120416 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025120430 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120404 |  |  | XXX C | C | C | C | C | C A | B | B | B | B | B A |
| 2025120412 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2025120389 |  |  | XXX A | B | B | B | B | B A | A | A | A | A | A |
| 2025120431 |  |  | XXX D | C | C | C | C | C A D | B | B | B | B | B A |
| 2025120406 |  |  | XXX A | A | A | A | A | A C | A | A | A | A | A B |
| 2025120491 |  |  | XXX C | C | C | C | C | C A | B | B | B | B | B A |
| 2025120441 |  |  | XXX A | A | A | A | A | A C | A | A | A | A | A B |
| 2025120379 |  |  | XXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2025120390 |  |  | XXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2025120427 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025120382 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120498 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120528 |  |  | XXX D | B | B | B | B | B A D | A | A | A | A | A B |
| 2025120393 |  |  | XXX C | C | C | C | C | C A B | B | B | B | B | B A |
| 2025120423 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120366 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120433 |  |  | XXX C | C | C | C | C | C A B | B | B | B | B | B A |
| 2025120535 |  |  | XXX D | B | B | B | B | B C D A | A | A | A | A | A |
| 2025120341 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2025120500 |  |  | XXX D | C | C | C | C | C A D | A | A | A | A | A |
| 2025120426 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120334 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120375 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120405 |  |  | XXX C | C | C | C | C | C A B | B | B | B | B | B A |
| 2025120420 |  |  | XXX A | A | A | A | A | A C | A | A | A | A | A B |
| 2025120536 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120532 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2025120424 |  |  | XXX C | D | D | D | D | D A B | A | A | A | A | A B |
| 2025120397 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120352 |  |  | XXX A | A | A | A | A | A B | A | A | A | A | A |
| 2025120517 |  |  | XXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 2025120370 |  |  | XXX B | A | A | A | A | A B | A | A | A | A | A B |
| 2025120492 |  |  | XXX D | C | C | C | C | C A D | A | A | A | A | A |
| 2025120340 |  |  | XXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2025120403 |  |  | XXX B | A | A | A | A | A B | A | A | A | A | A |
| 2025120501 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025120353 |  |  | XXX C | C | C | C | C | C A | A | A | A | A | A |
| 2025120368 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120512 |  |  | XXX B | A | A | A | A | A B | A | A | A | A | A |
| 2025120376 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120385 |  |  | XXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 2025120289 |  |  | XXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 2025120372 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120331 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120348 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120274 |  |  | XXX A | A | A | A | A | A C | A | A | A | A | A B |
| 2025120333 |  |  | XXX A | B | B | B | B | B A | A | A | A | A | A |
| 2025120414 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120440 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120360 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025120250 |  |  | XXX D | B | B | B | B | B A D | A | A | A | A | A |
| 2025120327 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120374 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120543 |  |  | XXX D | B | B | B | B | B A D | A | A | A | A | A |
| 2025120529 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2025120319 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025120497 |  |  | XXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 2025120439 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120293 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120413 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120443 |  |  | XXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 2025120236 |  |  | XXX A | B | B | B | B | B A | A | A | A | A | A |
| 2025120361 |  |  | XXX B | B | B | B | B | B A | A | A | A | A | A |
| 2025120399 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2025120351 |  |  | XXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 2025120526 |  |  | XXX A | B | B | B | B | B A | A | A | A | A | A |
| 2025120520 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120482 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120407 |  |  | XXX B | A | A | A | A | A B | A | A | A | A | A B |
| 2025120484 |  |  | XXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 2025120296 |  |  | XXX B | B | B | B | B | B A | A | A | A | A | A |
| 2025120387 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120255 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120335 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2025120270 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120326 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120240 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120299 |  |  | XXX B | A | A | A | A | A B | A | A | A | A | A |
| 2025120475 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120476 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120268 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120329 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2025120286 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025120304 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2025120258 |  |  | XXX C | C | C | C | C | C A | B | B | B | B | B A |
| 2025120480 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2025120214 |  |  | XXX B | A | A | A | A | A C | A | A | A | A | A B |
| 2025120225 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120315 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120256 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120313 |  |  | XXX D | C | C | C | C | C A D B | A | A | A | A | A B |
| 2025120410 |  |  | XXX D | C | C | C | C | C A D B | B | B | B | B | B A |
| 2025120367 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120392 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025120238 |  |  | XXX B | A | A | A | A | A B | A | A | A | A | A |
| 2025120330 |  |  | XXX A | B | B | B | B | B C A | A | A | A | A | A |
| 2025120283 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120354 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120288 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2025120180 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120518 |  |  | XXX B | B | B | B | B | B A | A | A | A | A | A B |
| 2025120349 |  |  | XXX D | C | C | C | C | C A D | B | B | B | B | B A |
| 2025120448 |  |  | XXX C | C | C | C | C | C A | B | B | B | B | B A |
| 2025120324 |  |  | XXX D | A | A | A | A | A C D | A | A | A | A | A |
| 2025120359 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025120321 |  |  | XXX A | B | B | B | B | B A | A | A | A | A | A |
| 2025120519 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120514 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120203 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120383 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025120252 |  |  | XXX D | A | A | A | A | A C D B | A | A | A | A | A B |
| 2025120209 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120234 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120339 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120239 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2025120300 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120488 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120478 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120083 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025120235 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120320 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120350 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120495 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025120298 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120247 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120191 |  |  | XXX D | A | A | A | A | A C D | A | A | A | A | A |
| 2025120356 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120241 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120190 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120095 |  |  | XXX C | C | C | C | C | C A | B | B | B | B | B A |
| 2025120272 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120357 |  |  | XXX D | C | C | C | C | C A D | B | B | B | B | B A |
| 2025120229 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2025120200 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120470 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120332 |  |  | XXX A | A | A | A | A | A D | A | A | A | A | A |
| 2025120189 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025120513 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2025120364 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120462 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120246 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120306 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120242 |  |  | XXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 2025120162 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120264 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2025120401 |  |  | XXX C | B | B | B | B | B A C | A | A | A | A | A B |
| 2025120187 |  |  | XXX B | C | C | C | C | C A B | A | A | A | A | A B |
| 2025120137 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120509 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120545 |  |  | XXX A | B | B | B | B | B A | A | A | A | A | A |
| 2025120266 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120109 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120160 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120467 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120208 |  |  | XXX B | A | A | A | A | A B | A | A | A | A | A |
| 2025120224 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120445 |  |  | XXX D | C | C | C | C | C A D B | B | B | B | B | B A |
| 2025120233 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120254 |  |  | XXX B | A | A | A | A | A B | A | A | A | A | A |
| 2025120101 |  |  | XXX A | A | A | A | A | A C | A | A | A | A | A B |
| 2025120447 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120156 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120174 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120213 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025120487 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2025120149 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120496 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120102 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120471 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025120460 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120465 |  |  | XXX B | C | C | C | C | C A | A | A | A | A | A |
| 2025120054 |  |  | XXX D | C | C | C | C | C D A | B | B | B | B | B |
| 2025120051 |  |  | XXX D | A | A | A | A | A C D | A | A | A | A | A B |
| 2025120201 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120164 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120363 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120122 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120139 |  |  | XXX C | C | C | C | C | C A | B | B | B | B | B A |
| 2025120143 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120458 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025120417 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120161 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120163 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120210 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2025120060 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120380 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120442 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120207 |  |  | XXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2025120265 |  |  | XXX B | A | A | A | A | A B | A | A | A | A | A B |
| 2025120177 |  |  | XXX D | C | C | C | C | C A D | A | A | A | A | A |
| 2025120110 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120338 |  |  | XXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2025120138 |  |  | XXX B | A | A | A | A | A B | A | A | A | A | A |
| 2025120457 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120126 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025120211 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120402 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120463 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120145 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120165 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120343 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120072 |  |  | XXX C | C | C | C | C | C A | A | A | A | A | A |
| 2025120540 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120505 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120074 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120473 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120408 |  |  | XXX A | C | C | C | C | C A | B | B | B | B | B |
| 2025120226 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A B |
| 2025120090 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2025120504 |  |  | XXX A | B | B | B | B | B A | B | B | B | B | B A |
| 2025120507 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025120544 |  |  | XXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 2025120088 |  |  | XXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2025120044 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2025120150 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120144 |  |  | XXX D | C | C | C | C | C A D | A | A | A | A | A |
| 2025120173 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120188 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120030 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120178 |  |  | XXX A | A | A | A | A | A C | A | A | A | A | A |
| 2025120105 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120474 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120511 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2025120456 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120070 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025120133 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120069 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120087 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2025120152 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120432 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2025120228 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120176 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025120489 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120039 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120086 |  |  | XXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2025120132 |  |  | XXX D | B | B | B | B | B A D | B | B | B | B | B A |
| 2025120523 |  |  | XXX C | C | C | C | C | C A B | B | B | B | B | B A |
| 2025120434 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120097 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025120040 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120195 |  |  | XXX D | C | C | C | C | C A D | B | B | B | B | B A |
| 2025120181 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120067 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120464 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120508 |  |  | XXX D | C | C | C | C | C A D | A | A | A | A | A |
| 2025120381 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120065 |  |  | XXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 2025120140 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120098 |  |  | XXX B | A | A | A | A | A B | A | A | A | A | A |
| 2025120108 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120284 |  |  | XXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 2025120305 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120042 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120259 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025120049 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120490 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120279 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120066 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025120185 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120336 |  |  | XXX A | B | B | B | B | B A | A | A | A | A | A |
| 2025120024 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120153 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025120036 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025120503 |  |  | XXX C | B | B | B | B | B A C | A | A | A | A | A B |
| 2025120020 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2025120494 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120022 |  |  | XXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 2025120220 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120014 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120015 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120017 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025120059 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120068 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120130 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120114 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120006 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120131 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120323 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120158 |  |  | XXX C | B | B | B | B | B A C | A | A | A | A | A |
| 2025120037 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A B |
| 2025120057 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120172 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120011 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120454 |  |  | XXX B | A | A | A | A | A B | A | A | A | A | A |
| 2025120035 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025120232 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2025120081 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120115 |  |  | XXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 2025120452 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120025 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120084 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120050 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025120400 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120033 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120019 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120013 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120446 |  |  | XXX C | C | C | C | C | C A | A | A | A | A | A B |
| 2025120010 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025120004 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120003 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120444 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120541 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025120429 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025120538 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120531 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025120537 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120493 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120398 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120418 |  |  | XXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025120530 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025120534 |  |  | XXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025120525 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 2025120388 |  |  | XXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025120342 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025120344 |  |  | XXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A B |
| 2025120317 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120292 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120314 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A B |
| 2025120328 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120369 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120396 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 2025120522 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120257 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 2025120533 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025120358 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A B |
| 2025120515 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 2025120227 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120309 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 2025120377 |  |  | XXX B | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 2025120419 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120481 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120479 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025120275 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120276 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120347 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120378 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120312 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120318 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120297 |  |  | XXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025120436 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120253 |  |  | XXX B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| 2025120205 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120310 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120373 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025120280 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 2025120218 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025120287 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025120483 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120230 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120302 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120194 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120261 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120155 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025120282 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120243 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025120486 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025120539 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120466 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120346 |  |  | XXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025120206 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120477 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025120215 |  |  | XXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 2025120193 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120221 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025120154 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025120169 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025120094 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120092 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120175 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120281 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120223 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120127 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025120251 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120170 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025120316 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120071 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120120 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025120262 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120182 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025120269 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025120267 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025120199 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120056 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120183 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 2025120047 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120148 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120527 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025120472 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120249 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120219 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025120171 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120204 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025120291 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120422 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120061 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120121 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025120179 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120112 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120222 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025120075 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120202 |  |  | XXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025120192 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025120100 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025120455 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120142 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120117 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120157 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120073 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120217 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120082 |  |  | XXX B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| 2025120129 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120212 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120111 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120197 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120151 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120285 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120077 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025120245 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120168 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120263 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025120091 |  |  | XXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025120096 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120216 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025120079 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120078 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120308 |  |  | XXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025120260 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120469 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120184 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025120128 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120099 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120016 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120052 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120371 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120045 |  |  | XXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025120141 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025120104 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120031 |  |  | XXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025120237 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120186 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120113 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120124 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120146 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025120106 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120248 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120062 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120107 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120046 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120295 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 2025120147 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025120085 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120461 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120355 |  |  | XXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025120159 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120135 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120337 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 2025120076 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 2025120032 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120196 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120103 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120093 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120167 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120198 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120294 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025120506 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120048 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120119 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120043 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120018 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120521 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120502 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120277 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120001 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120089 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120063 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120058 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120028 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120008 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025120118 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120437 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120080 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120116 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120027 |  |  | XXX B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| 2025120166 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120064 |  |  | XXX D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A |
| 2025120123 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120053 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120009 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120038 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120041 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120134 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120026 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120453 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120007 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120002 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120459 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120468 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 2025120021 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025120394 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 2025120023 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120034 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120125 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120005 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025120273 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120322 |  |  | XXX D | A | A | A | A | A C D B | A | A | A | A | A B |
| 2025120435 |  |  | XXX A | B | B | B | B | B A | A | A | A | A | A |
| 2025120244 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120516 |  |  | XXX D | B | B | B | B | B A D | A | A | A | A | A B |
| 2025120278 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120485 |  |  | XXX D | B | B | B | B | B A D | A | A | A | A | A |
| 2025120311 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120303 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2025120290 |  |  | XXX A | B | B | B | B | B A | A | A | A | A | A |
| 2025120386 |  |  | XXX C | C | C | C | C | C A | B | B | B | B | B A |
| 2025120391 |  |  | XXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 2025120345 |  |  | XXX A | A | A | A | A | A C | A | A | A | A | A B |
| 2025120524 |  |  | XXX D | A | A | A | A | A C D | A | A | A | A | A |
| 2025120510 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120231 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120271 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025120325 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025120362 |  |  | XXX B | B | B | B | B | B A | A | A | A | A | A |
| 2025120301 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.20

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.20**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 2025120499 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2025120542 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120415 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 2025120425 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120449 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 2025120428 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2025120409 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120411 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 2025120421 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2025120395 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120416 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120430 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 2025120404 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120412 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | .0058 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 2025120389 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 2025120431 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2025120406 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2025120491 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2025120441 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120379 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0200 | 1004 URAR |  |  |  |  | XXX | XXX | .0200 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2025120390 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0562 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | .0562 | XXX | 0.04 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 2025120427 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | .0926 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | .0926 | XXX | 0.05 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120382 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120498 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120528 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120393 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2025120423 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 2025120366 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 2025120433 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120535 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120341 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 2025120500 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 2025120426 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | .0015 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | .0015 | XXX | 0.03 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120334 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | -.0235 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0235 | XXX | 0.06 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2025120375 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2025120405 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| 2025120420 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 2025120536 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120532 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | -.1026 | Desk Review |  |  |  |  | XXX | XXX | .0000 | XXX | 1073 Individual XXX Report |  |  |  |  |  |  |  |  | XXX | XXX | -.1026 | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 2025120424 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0045 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0045 | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 2025120397 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2025120352 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 2025120517 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120370 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2025120492 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2025120340 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2025120403 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| 2025120501 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120353 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2025120368 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120512 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 2025120376 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120385 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 2025120289 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120372 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120331 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120348 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2025120274 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 2025120333 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 2025120414 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120440 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2025120360 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120250 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120327 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0280 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | .0280 | XXX | 0.05 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 2025120374 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120543 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 2025120529 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120319 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 2025120497 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120439 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120293 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2025120413 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120443 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 2025120236 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 2025120361 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120399 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.85 |  |
| 2025120351 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120526 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120520 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 2025120482 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120407 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 2025120484 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2025120296 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 2025120387 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 2025120255 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 2025120335 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120270 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | .0135 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 2025120326 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120240 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| 2025120299 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 2025120475 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0808 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0808 | XXX | 0.05 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 2025120476 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120268 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120329 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120286 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120304 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0607 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | .0607 | XXX | 0.06 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120258 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 2025120480 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120214 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120225 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120315 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 2025120256 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | -.0259 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0259 | XXX | 0.05 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2025120313 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 2025120410 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 2025120367 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120392 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120238 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 2025120330 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  | XXX | XXX | -.0897 | AVM |  |  |  |  |  | XXX | XXX | -.0897 | XXX | 0.05 | Collateral Analytics | iAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 2025120283 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120354 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 2025120288 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2025120180 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 2025120518 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 2025120349 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120448 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 2025120324 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  | XXX | XXX | -.0598 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0598 | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 2025120359 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120321 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXX | XXX | -.1467 | XXX | 0.11 | Clear Capital | ClearAVM | XXX | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 2025120519 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0123 | 1004 URAR |  |  |  |  | XXX | XXX | -.0123 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 2025120514 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2025120203 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | .0385 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 2025120383 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120252 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 2025120209 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0674 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0674 | XXX | 0.06 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 2025120234 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2025120339 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120239 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 2025120300 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120488 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120478 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120083 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120235 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 2025120320 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 2025120350 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 2025120495 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 2025120298 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | .0256 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120247 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2025120191 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  | XXX | XXX | .0043 | AVM |  |  |  |  |  | XXX | XXX | .0043 | XXX | 0.05 | Collateral Analytics | iAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2025120356 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.9 |  |
| 2025120241 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120190 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2025120095 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120272 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2025120357 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120229 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2025120200 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 2025120470 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 2025120332 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 2025120189 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120513 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 2025120364 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| 2025120462 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 2025120246 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 2025120306 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 2025120242 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | .0431 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 2025120162 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120264 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 2025120401 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | .0196 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 2025120187 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 2025120137 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120509 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 2025120545 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120266 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 2025120109 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120160 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120467 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 2025120208 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2025120224 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120445 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 2025120233 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120254 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2025120101 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120447 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| 2025120156 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| 2025120174 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120213 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4 |  |
| 2025120487 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120149 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120496 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 2025120102 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| 2025120471 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 2025120460 |  |  | XXX | XXX | XXX | XXX | XXX |  | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | .0143 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 2025120465 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120054 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120051 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120201 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 2025120164 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120363 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Collateral Desktop Analysis | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120122 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2025120139 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120143 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120458 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2025120417 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120161 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 2025120163 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0177 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | .0177 | XXX | 0.08 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 2025120210 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120060 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 2025120380 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 2025120442 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120207 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | -.0037 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0037 | XXX | 0.06 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 2025120265 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | .0636 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 2025120177 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120110 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0257 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0257 | XXX | 0.03 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2025120338 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0516 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0516 | XXX | 0.05 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 2025120138 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120457 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| 2025120126 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120211 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120402 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 2025120463 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0227 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0227 | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 2025120145 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120165 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 2025120343 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120072 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .2425 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | .2425 | XXX | 0.13 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120540 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120505 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120074 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120473 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120408 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | .0156 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 2025120226 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120090 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | .1963 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2025120504 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 2025120507 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 2025120544 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 2025120088 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2025120044 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120150 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2025120144 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 2025120173 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120188 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 2025120030 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120178 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2025120105 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 2025120474 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0106 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0106 | XXX | 0.05 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 2025120511 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120456 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120070 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 2025120133 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120069 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 2025120087 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2025120152 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0203 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0203 | XXX | 0.04 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 2025120432 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 2025120228 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 2025120176 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 2025120489 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120039 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120086 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2025120132 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2025120523 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 2025120434 |  |  | XXX | XXX | XXX | XXX | XXX |  | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120097 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120040 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2025120195 |  |  | XXX | XXX | XXX | XXX | XXX |  | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 2025120181 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120067 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120464 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120508 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2025120381 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120065 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120140 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 2025120098 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 2025120108 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120284 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0465 | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 2025120305 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 2025120042 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0303 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | .0303 | XXX | 0.05 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| 2025120259 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 2025120049 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 2025120490 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 2025120279 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120066 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2025120185 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120336 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 2025120024 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 2025120153 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120036 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 2025120503 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120020 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2025120494 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2025120022 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120220 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120014 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 2025120015 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120017 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120059 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | .0392 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 2025120068 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.2 |  |
| 2025120130 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 2025120114 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .1047 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .1047 | ClearCapital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120006 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120131 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2025120323 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120158 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120037 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 2025120057 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120172 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2025120011 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0677 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0677 | XXX | 0.05 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 2025120454 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0265 | 1004 URAR |  |  |  |  | XXX | XXX | .0265 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120035 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 2025120232 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXX | XXX | -.1739 | XXX | 0.1 | Clear Capital | ClearAVM | XXX | XXX | XXX | .0000 | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 2025120081 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120115 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120452 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 2025120025 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120084 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120050 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2025120400 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120033 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120019 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 2025120013 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2025120446 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 2025120010 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120004 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2025120003 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 2025120444 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 2025120541 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -1.25% | XXX | 4% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120429 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2025120538 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120531 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120537 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -4.54% | XXX | 10% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120493 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120398 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120418 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 2025120530 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120534 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -3.20% | XXX | 13% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120525 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120388 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 2025120342 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 2025120344 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 2025120317 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120292 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -4.34% | XXX | 6% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120314 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -7.94% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120328 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120369 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 2025120396 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 2025120522 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 2025120257 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120533 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120358 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | Form 1073 |  |  | Eligible | 2 |  |
| 2025120515 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -3.33% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120227 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 2025120309 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -2.17% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120377 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 2025120419 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2025120481 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 2025120479 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120275 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2025120276 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 2025120347 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120378 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120312 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120318 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120297 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120436 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120253 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120205 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120310 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -5.62% | XXX | 5% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120373 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 2025120280 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120218 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120287 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Consolidated Analytics |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120483 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120230 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -7.40% | XXX | 4% | ClearAVM |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120302 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120194 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 2025120261 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120155 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | Form 1025 |  |  | Not Eligible | N/A |  |
| 2025120282 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2025120243 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120486 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120539 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | Form 1025 |  |  | Not Eligible | N/A |  |
| 2025120466 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 2025120346 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120206 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 16.02% | XXX | 5% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120477 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | Form 1025 |  |  | Not Eligible | N/A |  |
| 2025120215 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120193 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120221 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 2025120154 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120169 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120094 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120092 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 2025120175 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120281 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120223 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120127 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -4.51% | XXX | 6% | ICE CA Value |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120251 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120170 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -2.49% | XXX | 6% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120316 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120071 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120120 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120262 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120182 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2025120269 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120267 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120199 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120056 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.45% | XXX | 4% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120183 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2025120047 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2025120148 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2025120527 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 2025120472 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2025120249 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 1.88% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120219 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120171 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120204 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120291 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120422 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 2025120061 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2025120121 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 2025120179 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120112 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 2.65% | XXX | 9% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120222 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120075 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2025120202 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 2025120192 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120100 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120455 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120142 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 1.49% | XXX | 5% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120117 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120157 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120073 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120217 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120082 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2025120129 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120212 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 2025120111 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120197 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120151 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 2025120285 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120077 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2025120245 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120168 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120263 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120091 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120096 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120216 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120079 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120078 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120308 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -7.14% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120260 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120469 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120184 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.51% | XXX | 3% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | Form 1025 |  |  | Not Eligible | N/A |  |
| 2025120128 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2025120099 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120016 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 2025120052 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2025120371 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 6.49% | XXX | 15% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120045 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120141 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2025120104 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120031 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 2025120237 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2025120186 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2025120113 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2025120124 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120146 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -1.15% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120106 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 2025120248 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120062 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2025120107 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120046 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -2.57% | XXX | 5% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120295 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | Form 1073 |  |  | Eligible | 1.3 |  |
| 2025120147 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -3.96% | XXX | 5% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120085 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2025120461 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120355 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1.4 |  |
| 2025120159 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2025120135 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 2025120337 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120076 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 2025120032 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2025120196 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120103 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 2025120093 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 2025120167 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 2025120198 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120294 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120506 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120048 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120119 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 2025120043 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120018 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2025120521 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 2025120502 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120277 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -9.28% | XXX | 10% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120001 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.55% | XXX | 3% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120089 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -2.03% | XXX | 9% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120063 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120058 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120028 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -1.14% | XXX | 5% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120008 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 2025120118 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120437 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 2025120080 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120116 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 1.42% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120027 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120166 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -1.45% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120064 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 2025120123 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120053 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2025120009 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 2025120038 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120041 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2025120134 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -5.11% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120026 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120453 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120007 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -8.33% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120002 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2025120459 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -2.53% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | NA |  |
| 2025120468 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1.8 |  |
| 2025120021 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120394 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120023 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120034 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120125 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2025120005 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025120273 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXX | XXX | -.4041 | XXX | 0.16 | Clear Capital | ClearAVM | XXX | XXX | XXX | .0000 | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 2025120322 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120435 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120244 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120516 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120278 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120485 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120311 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 2025120303 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120290 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120386 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 2025120391 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120345 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | -.0180 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0180 | XXX | 0.03 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 2025120524 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2025120510 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.1177 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -.1177 | XXX | 0.15 | Clear Capital | ClearAVM | XXX | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025120231 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 2025120271 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| 2025120325 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025120362 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXX | XXX | .0200 | XXX | 0.11 | Clear Capital | ClearAVM | XXX | XXX | XXX | .0000 | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 2025120301 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |

---

## Exhibit 99.21

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.21**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2025120499 | QM Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance is due to audit using the debt payments from the origination credit report. |
| 2025120499 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance is due to audit using the debt payments from the origination credit report. |
| 2025120542 | Application Date | XXX | XXX | per 1003 |
| 2025120542 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets in file |
| 2025120542 | QM Qualifying Total Debt Income Ratio | XXX | XXX | lender did not include XXX fee for primary |
| 2025120542 | Qualifying All Borrower Residual Income | XXX | XXX | XXX Fees on primary not included in lender calcs |
| 2025120415 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120415 | Borrower 2 Origination Equifax | XXX | XXX | Per brokers credit report dated XXX |
| 2025120415 | Borrower 2 Origination XXX | XXX | XXX | Per brokers credit report dated XXX |
| 2025120415 | Borrower 1 Origination Experian | XXX | XXX | Per brokers credit report dated XXX |
| 2025120415 | Borrower 2 Origination Experian | XXX | XXX | Per brokers credit report dated XXX |
| 2025120415 | Borrower 1 Origination XXX | XXX | XXX | Per brokers credit report dated XXX |
| 2025120415 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120425 | Qualifying FICO | XXX | XXX | Credit score is from the origination credit report. |
| 2025120425 | Qualifying Total Reserves Number of Months | XXX | XXX | The file is missing multiple assets that are listed on the 1003. This creates a reserve deficiency and doe not allow to verify the assets for income qualification purposes. Please provide all assets listed for review. |
| 2025120449 | Borrower 2 Origination XXX | XXX | XXX |  |
| 2025120449 | Qualifying Total Reserves Number of Months | XXX | XXX | Qualified reserves based on unexpired assets in file minus cash to close from final CD. |
| 2025120449 | Qualifying Housing Debt Income Ratio | XXX | XXX | minor variance, no impact on qualification or guideline compliance |
| 2025120449 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120449 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120449 | Borrower 2 Origination Experian | XXX | XXX |  |
| 2025120449 | Borrower 1 Origination XXX | XXX | XXX |  |
| 2025120449 | Property Type | XXX | XXX | XXX is correct |
| 2025120449 | Borrower 2 Origination Equifax | XXX | XXX |  |
| 2025120449 | Borrower 1 Origination Experian | XXX | XXX |  |
| 2025120428 | Qualifying Total Reserves Number of Months | XXX | XXX | cash out only used for assets |
| 2025120428 | Qualifying Housing Debt Income Ratio | XXX | XXX | The XXX states that the roofs will need to be replaced and a special assessment is anticipated, the timing and amount are unknown. The XXX payment ledger provided by the borrower shows a quarterly assessment of $XXX beginning in XXX. The description does not state the purpose of the assessment, nor the proposed duration. Clarification is required, the payment will be included in the borrower's housing ratio pending further review. |
| 2025120428 | Qualifying All Borrower Residual Income | XXX | XXX | The XXX states that the roofs will need to be replaced and a special assessment is anticipated, the timing and amount are unknown. The XXX payment ledger provided by the borrower shows a quarterly assessment of $XXX beginning in XXX. The description does not state the purpose of the assessment, nor the proposed duration. Clarification is required, the payment will be included in the borrower's housing ratio pending further review. |
| 2025120428 | Qualifying Total Debt Income Ratio | XXX | XXX | The XXX states that the roofs will need to be replaced and a special assessment is anticipated, the timing and amount are unknown. The XXX payment ledger provided by the borrower shows a quarterly assessment of $XXX beginning in XXX. The description does not state the purpose of the assessment, nor the proposed duration. Clarification is required, the payment will be included in the borrower's housing ratio pending further review. |
| 2025120409 | Borrower 1 Origination XXX | XXX | XXX | Per credit report dated XXX. |
| 2025120409 | Underwriting Exception in File? | XXX | XXX | x |
| 2025120409 | Qualifying Total Reserves Number of Months | XXX | XXX | Based on cash-out amount. |
| 2025120409 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report dated XXX. |
| 2025120409 | Qualifying All Borrower Residual Income | XXX | XXX | Lender did not include payment for student loans. |
| 2025120409 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender did not include payment for student loans. |
| 2025120409 | Borrower 1 Origination Experian | XXX | XXX | Per credit report dated XXX. |
| 2025120411 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs in file. Verified assets less than assets reflected on the Final 1003. |
| 2025120411 | Qualifying FICO | XXX | XXX |  |
| 2025120411 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025120411 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025120411 | Underwriting Exception in File? | XXX | XXX |  |
| 2025120421 | Property Type | XXX | XXX |  |
| 2025120421 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets at closing |
| 2025120421 | Borrower 1 Origination Equifax | XXX | XXX |  |
| 2025120421 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding |
| 2025120421 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120421 | Qualifying Total Debt Income Ratio | XXX | XXX | verified debt and income exceed XXX% DTI |
| 2025120395 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets in files |
| 2025120395 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded up |
| 2025120416 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2025120430 | Qualifying Total Reserves Number of Months | XXX | XXX | Rounded data |
| 2025120430 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 2025120430 | Qualifying All Borrower Residual Income | XXX | XXX | Audit using broker credit report vs lender report |
| 2025120430 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 2025120404 | Cash Disbursement Date | XXX | XXX |  |
| 2025120404 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded data |
| 2025120412 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs in the file |
| 2025120412 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using a slightly different XXX expense that is verified |
| 2025120412 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using a slightly different XXX expense that is verified |
| 2025120389 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120389 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120431 | Qualifying Total Reserves Number of Months | XXX | XXX | Immaterial. |
| 2025120431 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025120431 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025120406 | Underwriting Exception in File? | XXX | XXX |  |
| 2025120406 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets at time of closing, amount matches 1008 |
| 2025120406 | Qualifying Housing Debt Income Ratio | XXX | XXX | lender did not include XXX shortage payment in calc |
| 2025120406 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120406 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120491 | Qualifying All Borrower Residual Income | XXX | XXX | Audit using XXX dated XXX as it's more conservative. minor variance, no impact on qualification or guideline compliance |
| 2025120491 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit using XXX dated XXX as it's more conservative. minor variance, no impact on qualification or guideline compliance |
| 2025120379 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves are based on the cash-out amount at closing. |
| 2025120379 | Qualifying Housing Debt Income Ratio | XXX | XXX | DTI variance-lender did not add the flood insurance. |
| 2025120379 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income is based on the re-verified income and debt from the broker credit report XXX additional new loan debt added and flood insurance. |
| 2025120379 | Qualifying Total Debt Income Ratio | XXX | XXX | Debt used from origination credit report and XXX additional loan and flood insurance. was not listed on the 1008. |
| 2025120390 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets in file, and 1008/1003 |
| 2025120390 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2025120427 | Qualifying Total Reserves Number of Months | XXX | XXX | per assets listed on the 1003. |
| 2025120427 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding |
| 2025120427 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance is due to the lender using the updated debt. |
| 2025120427 | Qualifying Total Debt Income Ratio | XXX | XXX | Using debt from the origination credit report. |
| 2025120382 | Qualifying Total Reserves Number of Months | XXX | XXX | per assets listed on the 1003. |
| 2025120382 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding |
| 2025120382 | Qualifying All Borrower Residual Income | XXX | XXX | The Borrower's income calc was rounded up to $XXX. The actual calculation was $XXX. |
| 2025120382 | Qualifying Total Debt Income Ratio | XXX | XXX | Using the debt from the origination credit report. |
| 2025120498 | Borrower 2 Origination XXX | XXX | XXX | Per original credit report |
| 2025120498 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets docs in the file. Several Assets listed on the 1003 were not verified in the file. |
| 2025120498 | Qualifying FICO | XXX | XXX | Per original credit report |
| 2025120498 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2025120498 | Qualifying Total Debt Income Ratio | XXX | XXX | Initial credit report vs credit refresh |
| 2025120498 | Borrower 2 Origination Experian | XXX | XXX | Per original credit report |
| 2025120498 | Borrower 2 Origination Equifax | XXX | XXX | Per original credit report |
| 2025120498 | Borrower 1 Origination Equifax | XXX | XXX | Per original credit report |
| 2025120498 | Borrower 1 Origination Experian | XXX | XXX | Per original credit report |
| 2025120528 | Underwriting Exception in File? | XXX | XXX |  |
| 2025120528 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding |
| 2025120393 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120393 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120423 | Borrower 1 Origination XXX | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120423 | Qualifying Total Reserves Number of Months | XXX | XXX | asset verification from XXX required |
| 2025120423 | Borrower 1 Origination Equifax | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120423 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance. XXX Audit using $XXX, lender using $XXX per the 1008 |
| 2025120423 | Borrower 1 Last Name | XXX | XXX | same |
| 2025120423 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance. revolving payments and balances lower on the later XXX. XXX Audit using $XXX, lender using $XXX per the 1008. |
| 2025120366 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded data |
| 2025120433 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets at the time of closing; borrower had to bring cash to close |
| 2025120433 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120433 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120535 | Qualifying FICO | XXX | XXX | Primary wage earners middle FICO score, per guidelines. |
| 2025120535 | Application Date | XXX | XXX |  |
| 2025120535 | Qualifying All Borrower Residual Income | XXX | XXX | Variance in liabilities, per 1008 all other monthly payments were $XXX. Audits total monthly liabilities were $XXX. |
| 2025120535 | Qualifying Total Debt Income Ratio | XXX | XXX | Variance in liabilities, per 1008 all other monthly payments were $XXX. Audits total monthly liabilities were $XXX. |
| 2025120535 | Property Address | XXX | XXX | per Note. |
| 2025120341 | Property Type | XXX | XXX | Same data |
| 2025120341 | Qualifying Total Reserves Number of Months | XXX | XXX | Different calculations of the gift funds |
| 2025120341 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120341 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120500 | Qualifying All Borrower Residual Income | XXX | XXX | Variance is due to using the debt payments of the origination credit report. |
| 2025120500 | Qualifying Total Debt Income Ratio | XXX | XXX | Variance is due to using the debt payment of the origination credit report. |
| 2025120426 | Property Type | XXX | XXX | Per docs in file |
| 2025120426 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using updated credit report |
| 2025120426 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using updated credit report |
| 2025120334 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded data |
| 2025120375 | Qualifying All Borrower Residual Income | XXX | XXX | PITIA on XXX holdings not verified, subject to change |
| 2025120375 | Qualifying Total Debt Income Ratio | XXX | XXX | PITIA on XXX holdings not verified, subject to change |
| 2025120405 | Qualifying Total Reserves Number of Months | XXX | XXX | After asset qualifier funds removed |
| 2025120405 | Borrower 1 Self-Employment Flag | XXX | XXX | Same data |
| 2025120420 | Qualifying Total Reserves Number of Months | XXX | XXX | Used all the assets provided in the file |
| 2025120420 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding |
| 2025120420 | Qualifying All Borrower Residual Income | XXX | XXX | Using debt's from origination credit report.  |
| 2025120420 | Qualifying Total Debt Income Ratio | XXX | XXX | Using debts from origination credit report.  |
| 2025120536 | Borrower 1 Origination XXX | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120536 | Property Type | XXX | XXX | XXX based on XXX definition |
| 2025120536 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets in file at closing, stock reduced to XXX% available |
| 2025120536 | Borrower 1 Origination Equifax | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120536 | Qualifying Housing Debt Income Ratio | XXX | XXX | lender understated primary housing expense on 1008 |
| 2025120536 | Qualifying All Borrower Residual Income | XXX | XXX | lender understated primary housing expense on 1008 |
| 2025120536 | Qualifying Total Debt Income Ratio | XXX | XXX | lender understated primary housing expense on 1008 |
| 2025120536 | Borrower 1 Origination Experian | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120532 | Property Address | XXX | XXX | Same data |
| 2025120532 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs in the file |
| 2025120532 | Borrower 1 Self-Employment Flag | XXX | XXX | Same data |
| 2025120532 | Application Date | XXX | XXX | Per initial 1003 |
| 2025120532 | Qualifying All Borrower Residual Income | XXX | XXX | Using debt payment from the origination credit report. |
| 2025120532 | Qualifying Total Debt Income Ratio | XXX | XXX | Using debt payments from the origination credit report. |
| 2025120424 | Qualifying Total Reserves Number of Months | XXX | XXX | Verified to cashout from Final CD |
| 2025120424 | Qualifying Housing Debt Income Ratio | XXX | XXX | Verified to primary housing expense |
| 2025120424 | Qualifying All Borrower Residual Income | XXX | XXX | Verified to total income minus total debt |
| 2025120424 | Qualifying Total Debt Income Ratio | XXX | XXX | Difference of $XXX of credit liabilities |
| 2025120397 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day reports. |
| 2025120397 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day reports. |
| 2025120352 | Borrower 1 Self-Employment Flag | XXX | XXX | XXX issue |
| 2025120352 | Qualifying All Borrower Residual Income | XXX | XXX | Manual calculation: total income minus total debt from origination credit report. |
| 2025120352 | Qualifying Total Debt Income Ratio | XXX | XXX | Difference due to XXX liability |
| 2025120517 | Borrower 1 Last Name | XXX | XXX | Last name per Note. |
| 2025120517 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets are accurate. Lender added another liability payoff to a post close CD |
| 2025120517 | Qualifying Total Debt Income Ratio | XXX | XXX | Correct per lenders 1008 |
| 2025120517 | Qualifying Housing Debt Income Ratio | XXX | XXX | Correct per 1008 |
| 2025120517 | Qualifying All Borrower Residual Income | XXX | XXX | Correct per XXX |
| 2025120370 | Application Date | XXX | XXX | Per initial 1003 |
| 2025120370 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded data |
| 2025120492 | Qualifying Total Reserves Number of Months | XXX | XXX | Business assets from XXX #XXX are the only assets in the file. |
| 2025120492 | Qualifying Total Debt Income Ratio | XXX | XXX | Using debt from the origination credit report. |
| 2025120492 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded data |
| 2025120340 | Qualifying FICO | XXX | XXX | broker v lender XXX |
| 2025120340 | Borrower 1 Origination Equifax | XXX | XXX |  |
| 2025120340 | Qualifying Total Reserves Number of Months | XXX | XXX | minor variance, no impact on qualification or guideline compliance |
| 2025120403 | Qualifying Total Reserves Number of Months | XXX | XXX | Acct balance from the acct listed on the Final 1003. |
| 2025120403 | Qualifying Total Debt Income Ratio | XXX | XXX | Using debt from the origination credit report. |
| 2025120403 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income is based on the re-verified income and debt from the origination credit report and subject loan. |
| 2025120501 | Borrower 1 Origination Experian | XXX | XXX | Only XXX XXX in file, cannot verify tape data |
| 2025120501 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets in file at closing |
| 2025120501 | Qualifying Total Debt Income Ratio | XXX | XXX | minor variance, no impact on qualification or guideline compliance. retail origination, only XXX XXX in file |
| 2025120501 | Qualifying Housing Debt Income Ratio | XXX | XXX | minor variance, no impact on qualification or guideline compliance |
| 2025120501 | Qualifying All Borrower Residual Income | XXX | XXX | minor variance, no impact on qualification or guideline compliance. retail origination, only XXX XXX in file |
| 2025120353 | Qualifying Total Debt Income Ratio | XXX | XXX | Variance in liabilities from XXX report to origination XXX. |
| 2025120353 | Qualifying All Borrower Residual Income | XXX | XXX | Variance in liabilities from XXX report to origination XXX. |
| 2025120368 | Cash Disbursement Date | XXX | XXX | per Final CD. |
| 2025120368 | Qualifying Total Reserves Number of Months | XXX | XXX | per assets listed on 1003. |
| 2025120368 | Qualifying Housing Debt Income Ratio | XXX | XXX | XXX% variance. |
| 2025120368 | Qualifying All Borrower Residual Income | XXX | XXX | $XXX variance. |
| 2025120512 | Borrower 1 Last Name | XXX | XXX | Confirmed on the Note. |
| 2025120512 | Borrower 1 Self-Employment Flag | XXX | XXX | Confirmed based on the XXX letter stating the borrower has only XXX% ownership interest. |
| 2025120512 | Qualifying All Borrower Residual Income | XXX | XXX | Confirmed based on the bank statements in file. |
| 2025120376 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report which has multiple changes from the original. |
| 2025120376 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report which has multiple changes from the original. |
| 2025120385 | Initial Monthly P&I Or XXX Payment | XXX | XXX | True data is XXX payment, tape value is fully amortized payment |
| 2025120385 | Qualifying Total Reserves Number of Months | XXX | XXX | Verified assets without cash out |
| 2025120385 | Qualifying Total Debt Income Ratio | XXX | XXX | The final 1003 shows an XXX account with a balance of $XXX and a monthly payment of $XXX. Per the XXX the balance is $XXX, the payment is $XXX, and the maximum credit is $XXX. The lender has carried this error throughout, as it is included in the final 1008 as well. Audit is not using income from XXX - P&L not provided and not needed to qualify.<br>|
| 2025120385 | Qualifying Housing Debt Income Ratio | XXX | XXX | minor variance, no impact on qualification or guideline compliance. Audit is not using income from XXX - P&L not provided and not needed to qualify. |
| 2025120385 | Underwriting Exception in File? | XXX | XXX |  |
| 2025120385 | Qualifying All Borrower Residual Income | XXX | XXX | The final 1003 shows an XXX with a balance of $XXX and a monthly payment of $XXX. Per the XXX the balance is $XXX, the payment is $XXX, and the maximum credit is $XXX. The lender has carried this error throughout, as it is included in the final 1008 as well. Audit is not using income from XXX - P&L not provided and not needed to qualify.<br>|
| 2025120289 | Borrower 1 Origination Experian | XXX | XXX | Per credit report dated XXX |
| 2025120289 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit is using debt payments from the origination credit report. |
| 2025120289 | Qualifying All Borrower Residual Income | XXX | XXX | Audit is using the debt payments from the origination credit report. |
| 2025120372 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves based on proceeds of the cash out from the subject transaction. No additional assets were listed on the 1003. |
| 2025120372 | Qualifying Total Debt Income Ratio | XXX | XXX | Broker report vs lender report - Audit is using the broker report, as it was still valid at the time of closing, |
| 2025120372 | Qualifying Housing Debt Income Ratio | XXX | XXX | Broker report vs. lender, Audit is using the broker report, as it was still valid at the time of closing, |
| 2025120372 | Qualifying All Borrower Residual Income | XXX | XXX | Audit_ Residual Income:<br> Qualifying residual income calculated at $XXX, significantly exceeding XXX minimum requirement of $XXX. This provides strong payment capacity XXX. |
| 2025120331 | Borrower 1 Last Name | XXX | XXX | per Note. |
| 2025120331 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets are based on the most recent acct balance minus XXX that is confirmed deducted from the acct balance. |
| 2025120331 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding |
| 2025120331 | Qualifying Total Debt Income Ratio | XXX | XXX | Using debt payments from the origination credit report. |
| 2025120331 | Qualifying All Borrower Residual Income | XXX | XXX | Using debt payments from the origination credit report. |
| 2025120348 | Qualifying Total Debt Income Ratio | XXX | XXX | Updated credit report not entered by audit, per XXX. Variance in liabilities. |
| 2025120348 | Qualifying All Borrower Residual Income | XXX | XXX | Updated credit report not entered by audit, per XXX. Variance in liabilities. |
| 2025120274 | Borrower 1 Self-Employment Flag | XXX | XXX | per 1003/VOE. |
| 2025120274 | Underwriting Exception in File? | XXX | XXX |  |
| 2025120274 | Qualifying All Borrower Residual Income | XXX | XXX | Audit calculation of XXX XXX < lender's calc per 1003. |
| 2025120333 | Qualifying Total Reserves Number of Months | XXX | XXX | True data amount is based on cash out of $XXX. |
| 2025120333 | Qualifying Total Debt Income Ratio | XXX | XXX | DTI is based on re-verified income plus debt payments from the origination credit report. |
| 2025120333 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income is based on re-verified income plus debt payments from the origination credit report. |
| 2025120414 | Qualifying FICO | XXX | XXX | per Primary wage earners middle FICO score. |
| 2025120414 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit did not include liabilities from updated XXX, per XXX Guide. $XXX variance in liabilities. |
| 2025120414 | Qualifying All Borrower Residual Income | XXX | XXX | Audit did not include liabilities from updated XXX, per XXX Guide. $XXX variance in liabilities. |
| 2025120440 | Qualifying FICO | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120440 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets at closing |
| 2025120440 | Qualifying All Borrower Residual Income | XXX | XXX | rounding |
| 2025120360 | Borrower 1 Last Name | XXX | XXX | Verified to Note and driver's license |
| 2025120360 | Borrower 1 Origination Equifax | XXX | XXX | Verified to credit report |
| 2025120360 | Borrower 1 Origination TransUnion | XXX | XXX | Verified to credit report |
| 2025120360 | Borrower 1 Origination Experian | XXX | XXX | Verified to credit report |
| 2025120360 | Property Type | XXX | XXX | Subject is a XXX based on XXX definition |
| 2025120360 | Qualifying All Borrower Residual Income | XXX | XXX | Verified to total income minus total debt |
| 2025120250 | Borrower 1 Origination TransUnion | XXX | XXX | per credit report in the file |
| 2025120250 | Qualifying FICO | XXX | XXX | per credit report in the file |
| 2025120250 | Borrower 2 Origination TransUnion | XXX | XXX | per credit report in the file |
| 2025120250 | Borrower 2 Origination Experian | XXX | XXX | per credit report in the file |
| 2025120250 | Borrower 1 Origination Equifax | XXX | XXX | per credit report in the file |
| 2025120250 | Borrower 2 Origination Equifax | XXX | XXX | per credit report in the file |
| 2025120250 | Borrower 1 Origination Experian | XXX | XXX | per credit report in the file |
| 2025120250 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120250 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120327 | Borrower 1 Origination TransUnion | XXX | XXX | Verified to credit report |
| 2025120327 | Borrower 1 Origination Equifax | XXX | XXX | Verified to credit report |
| 2025120327 | Borrower 1 Origination Experian | XXX | XXX | Verified to credit report |
| 2025120327 | Qualifying Total Reserves Number of Months | XXX | XXX | Verified to current bank statements |
| 2025120327 | Qualifying All Borrower Residual Income | XXX | XXX | Verified to total income minus total expenses |
| 2025120374 | Borrower 1 Origination Experian | XXX | XXX | Per credit report |
| 2025120374 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded data |
| 2025120543 | Property Address | XXX | XXX | Per note, upper and lower case |
| 2025120543 | Qualifying Total Reserves Number of Months | XXX | XXX | Verified assets agree with 1008. The file does not indicate any XXX reserves required |
| 2025120543 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 2025120543 | Qualifying All Borrower Residual Income | XXX | XXX | rounding |
| 2025120529 | Property Address | XXX | XXX | Same data |
| 2025120529 | Qualifying Total Reserves Number of Months | XXX | XXX | Per cash out proceeds |
| 2025120529 | Qualifying Housing Debt Income Ratio | XXX | XXX | Per docs in the file which matches the lenders 1008 |
| 2025120529 | Qualifying Total Debt Income Ratio | XXX | XXX | Per docs in the file which matches the lenders 1008 |
| 2025120529 | Qualifying All Borrower Residual Income | XXX | XXX | Per docs in the file which matches the lenders 1008 |
| 2025120319 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120319 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120497 | Borrower 1 Origination Experian | XXX | XXX | Per Credit Report |
| 2025120497 | Borrower 1 Origination TransUnion | XXX | XXX | Per Credit Report |
| 2025120497 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded data |
| 2025120439 | Borrower 1 Self-Employment Flag | XXX | XXX | Primary income is from self-employment |
| 2025120439 | Borrower 2 Origination Experian | XXX | XXX | Verified to credit report |
| 2025120439 | Borrower 1 Origination TransUnion | XXX | XXX | Verified to credit report |
| 2025120439 | Borrower 1 Origination Experian | XXX | XXX | Verified to credit report |
| 2025120439 | Borrower 2 Origination TransUnion | XXX | XXX | Verified to credit report |
| 2025120439 | Borrower 2 Origination Equifax | XXX | XXX | Verified to credit report |
| 2025120439 | Borrower 1 Origination Equifax | XXX | XXX | Verified to credit report |
| 2025120439 | Qualifying Total Debt Income Ratio | XXX | XXX | Verified to original credit report; lender used XXX report |
| 2025120439 | Qualifying All Borrower Residual Income | XXX | XXX | Verified to total income minus total debts from origination report. |
| 2025120293 | Qualifying Total Reserves Number of Months | XXX | XXX | Verified to recent bank statements |
| 2025120293 | Qualifying Total Debt Income Ratio | XXX | XXX | Verified to original credit report |
| 2025120293 | Qualifying All Borrower Residual Income | XXX | XXX | Verified to total income minus total debt |
| 2025120413 | Qualifying Total Debt Income Ratio | XXX | XXX | Broker credit report vs lender credit report |
| 2025120413 | Qualifying All Borrower Residual Income | XXX | XXX | Broker credit report vs lender credit report |
| 2025120443 | Borrower 1 Origination Equifax | XXX | XXX |  |
| 2025120443 | Borrower 2 Origination Equifax | XXX | XXX |  |
| 2025120443 | Qualifying FICO | XXX | XXX | Per Broker credit report. |
| 2025120443 | Borrower 1 Origination Experian | XXX | XXX |  |
| 2025120443 | Borrower 2 Origination TransUnion | XXX | XXX |  |
| 2025120443 | Borrower 2 Origination Experian | XXX | XXX |  |
| 2025120443 | Borrower 1 Origination TransUnion | XXX | XXX |  |
| 2025120443 | Qualifying Total Debt Income Ratio | XXX | XXX | Per debt and income documents in file. |
| 2025120443 | Qualifying All Borrower Residual Income | XXX | XXX | Per debt and income documents in file. |
| 2025120236 | Borrower 1 Self-Employment Flag | XXX | XXX | Asset Qualifier loan-employment status is unknown. |
| 2025120236 | Qualifying Total Reserves Number of Months | XXX | XXX | Used portfolio balances XXX%, |
| 2025120361 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves are based on the most recent account balances with required percentage values used. The file contains a XXX from XXX Asset Management. |
| 2025120361 | Qualifying Housing Debt Income Ratio | XXX | XXX | DTI variance is due to using the updated debts. |
| 2025120361 | Qualifying Total Debt Income Ratio | XXX | XXX | rounding |
| 2025120361 | Qualifying All Borrower Residual Income | XXX | XXX | Variance is due to using the updated debt. |
| 2025120399 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120399 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120351 | Borrower 1 Last Name | XXX | XXX | per note |
| 2025120351 | Borrower 1 Origination Equifax | XXX | XXX | broker v lender XXX middle score of highest wage earner used to qualify |
| 2025120351 | Borrower 1 Origination Experian | XXX | XXX | broker v lender XXX middle score of highest wage earner used to qualify |
| 2025120351 | Borrower 1 Origination TransUnion | XXX | XXX | broker v lender XXX middle score of highest wage earner used to qualify |
| 2025120351 | Qualifying Total Debt Income Ratio | XXX | XXX | Original v XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120351 | Qualifying All Borrower Residual Income | XXX | XXX | Original v XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120526 | Application Date | XXX | XXX | Application date per Disclosure Tracking Details document. |
| 2025120526 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs in file |
| 2025120526 | Qualifying Total Debt Income Ratio | XXX | XXX | Per documents in the file Lender has subtracted the XXX liabilities from the income. This creates a DTI difference. |
| 2025120526 | Qualifying Housing Debt Income Ratio | XXX | XXX | Per documents in the file Lender has subtracted the XXX liabilities from the income. This creates a DTI difference. |
| 2025120526 | Qualifying All Borrower Residual Income | XXX | XXX | Lenders credit report comparison is being used |
| 2025120520 | Property Address | XXX | XXX | Verified to Note |
| 2025120520 | Application Date | XXX | XXX | Verified to initial 1003 and disclosure tracking summary |
| 2025120520 | Qualifying Total Reserves Number of Months | XXX | XXX | Verified to cashout amount from Final CD |
| 2025120520 | Qualifying Total Debt Income Ratio | XXX | XXX | Verified to 1008 |
| 2025120520 | Qualifying All Borrower Residual Income | XXX | XXX | Total income minus total debt |
| 2025120482 | Borrower 1 Last Name | XXX | XXX | Per Note. |
| 2025120482 | Qualifying Total Reserves Number of Months | XXX | XXX | Tape data reflects reserves based on initial subject Note payment and not qualifying payment. |
| 2025120482 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding. |
| 2025120407 | Borrower 1 Origination Experian | XXX | XXX | broker v lender XXX middle score of highest wage earner used to qualify |
| 2025120407 | Borrower 2 Origination TransUnion | XXX | XXX | broker v lender XXX middle score of highest wage earner used to qualify |
| 2025120407 | Borrower 1 Origination Equifax | XXX | XXX | broker v lender XXX middle score of highest wage earner used to qualify |
| 2025120407 | Borrower 2 Origination Equifax | XXX | XXX | broker v lender XXX middle score of highest wage earner used to qualify |
| 2025120407 | Borrower 2 Origination Experian | XXX | XXX | broker v lender XXX middle score of highest wage earner used to qualify |
| 2025120407 | Borrower 1 Origination TransUnion | XXX | XXX | broker v lender XXX middle score of highest wage earner used to qualify |
| 2025120407 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets are based on current balance of asset acct listed on the F1003 plus minimal (<$XXX) cash to borrower. |
| 2025120407 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX middle score of highest wage earner used to qualify |
| 2025120407 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120484 | Property Type | XXX | XXX |  |
| 2025120484 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120484 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120296 | Sales Price | XXX | XXX | Lenders final sales price is incorrect |
| 2025120296 | Qualifying CLTV | XXX | XXX | Lenders final sales price is incorrect |
| 2025120296 | Qualifying LTV | XXX | XXX | Lenders final sales price is incorrect |
| 2025120296 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120296 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120387 | Borrower 1 Origination Equifax | XXX | XXX | broker v lender XXX |
| 2025120387 | Borrower 1 Origination Experian | XXX | XXX | broker v lender XXX |
| 2025120387 | Borrower 1 Origination TransUnion | XXX | XXX | broker v lender XXX |
| 2025120387 | Qualifying Total Debt Income Ratio | XXX | XXX | Variance with broker and lender credit debt, XXX cent variance with insurance. |
| 2025120387 | Qualifying All Borrower Residual Income | XXX | XXX | Variance with broker and lender credit debt, XXX cent variance with insurance. |
| 2025120255 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120255 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120335 | Qualifying FICO | XXX | XXX | Primary wage earner is used |
| 2025120335 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120335 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120270 | Borrower 1 Origination Experian | XXX | XXX | No brokers report in the file, Per Credit Report dated XXX |
| 2025120270 | Borrower 1 Origination Equifax | XXX | XXX | No brokers report in the file, Per Credit Report dated XXX |
| 2025120270 | Borrower 1 Origination TransUnion | XXX | XXX | No brokers report in the file, Per Credit Report dated XXX |
| 2025120270 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120270 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120326 | Qualifying Total Reserves Number of Months | XXX | XXX | XXX balances at closing higher than at approval date |
| 2025120326 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX |
| 2025120326 | Qualifying Housing Debt Income Ratio | XXX | XXX | rounding |
| 2025120326 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX |
| 2025120240 | Borrower 1 Last Name | XXX | XXX | Verified to driver's license |
| 2025120240 | Qualifying Total Reserves Number of Months | XXX | XXX | Verified to asset statements; slight difference due to difference in XXX and liabilities |
| 2025120240 | Qualifying Total Debt Income Ratio | XXX | XXX | Verified to liabilities from original credit report; slight difference due to difference in XXX and liabilities |
| 2025120240 | Qualifying Housing Debt Income Ratio | XXX | XXX | Slight difference due to difference in XXX and liabilities |
| 2025120240 | Qualifying All Borrower Residual Income | XXX | XXX | Verified to asset statement; slight difference due to difference in XXX and liabilities |
| 2025120299 | Qualifying Total Reserves Number of Months | XXX | XXX | Lender has added asset account XXX |
| 2025120299 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120299 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120475 | Application Date | XXX | XXX | Disclosure tracking confirms XXX application date. XXX is not updating the data on Data Compare card. |
| 2025120475 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets at closing |
| 2025120475 | Qualifying Housing Debt Income Ratio | XXX | XXX | minor variance, no impact on qualification or guideline compliance |
| 2025120475 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120475 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120476 | Qualifying Total Debt Income Ratio | XXX | XXX | Using debt from the origination credit report. |
| 2025120476 | Qualifying All Borrower Residual Income | XXX | XXX | Using debt from the origination credit report with re-verified income. |
| 2025120268 | Qualifying All Borrower Residual Income | XXX | XXX | rounding |
| 2025120329 | Application Date | XXX | XXX | per 1003 |
| 2025120329 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves are based on the most current account balances, plus Gift funds deposit that is not eligible for reserves. |
| 2025120329 | Qualifying All Borrower Residual Income | XXX | XXX | rounding |
| 2025120286 | Property Type | XXX | XXX | XXX on the mortgage |
| 2025120286 | Qualifying Total Reserves Number of Months | XXX | XXX |  |
| 2025120286 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report with XXX major reduction in a liability |
| 2025120286 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report with XXX major reduction in a liability |
| 2025120304 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report dated XXX. The file does not contain another credit report with scores. |
| 2025120304 | Borrower 1 Origination Experian | XXX | XXX | Per credit report dated XXX. The file does not contain another credit report with scores. |
| 2025120304 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report dated XXX. The file does not contain another credit report with scores. |
| 2025120304 | Qualifying Total Reserves Number of Months | XXX | XXX | Audit is using a lower verified asset amount for account #XXX. Specifically, it backed out a total of $XXX—comprised of $XXX and a $XXX transfer to account #XXX that occurred between XXX and XXX. As a result, audit reflects $XXX in verified assets, compared to the lender's reported $XXX. |
| 2025120304 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on early and XXX-Day credit reports. |
| 2025120304 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on early and XXX-Day credit reports. |
| 2025120258 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report dated XXX. |
| 2025120258 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding. |
| 2025120480 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets and cash out. Using XXX |
| 2025120214 | Qualifying FICO | XXX | XXX | middle score of highest wage earner, per XXX |
| 2025120214 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets in file |
| 2025120214 | Qualifying Housing Debt Income Ratio | XXX | XXX | Original v XXX XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120214 | Qualifying Total Debt Income Ratio | XXX | XXX | Original v XXX XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120214 | Qualifying All Borrower Residual Income | XXX | XXX | Original v XXX XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120225 | Qualifying Total Reserves Number of Months | XXX | XXX | True Data value captured from the asset documents in the loan file. |
| 2025120225 | Qualifying All Borrower Residual Income | XXX | XXX | True Data value calculated in XXX with B1 and B2 income and debts |
| 2025120315 | Qualifying All Borrower Residual Income | XXX | XXX |  |
| 2025120256 | Qualifying Total Reserves Number of Months | XXX | XXX |  |
| 2025120256 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 2025120256 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120256 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120313 | Borrower 1 Origination Experian | XXX | XXX | broker v lender XXX |
| 2025120313 | Borrower 1 Origination TransUnion | XXX | XXX | broker v lender XXX |
| 2025120313 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets as of closing. verified amount agreed with 1008 |
| 2025120313 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120313 | Qualifying Housing Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120313 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120410 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report |
| 2025120410 | Borrower 1 Origination Experian | XXX | XXX | Per credit report |
| 2025120410 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report |
| 2025120410 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets in the file. Lender is using #XXX |
| 2025120410 | Qualifying Total Debt Income Ratio | XXX | XXX | Using origination credit report debts. |
| 2025120410 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2025120367 | Qualifying Total Debt Income Ratio | XXX | XXX | Variance is due to debt from the origination credit report. |
| 2025120367 | Qualifying All Borrower Residual Income | XXX | XXX | Variance is due to debt from the origination credit report. |
| 2025120392 | Property Type | XXX | XXX |  |
| 2025120392 | Qualifying All Borrower Residual Income | XXX | XXX | True Data value calc using income and debts. Appears Tape Data rounded down to a whole number. |
| 2025120238 | Qualifying Total Reserves Number of Months | XXX | XXX | Lenders primary housing payment is incorrect due to the XXX tax added twice. |
| 2025120238 | Qualifying Housing Debt Income Ratio | XXX | XXX | Lenders primary housing payment is incorrect due to the XXX tax added twice. |
| 2025120238 | Qualifying Total Debt Income Ratio | XXX | XXX | Lenders primary housing payment is incorrect due to the XXX tax added twice. |
| 2025120238 | Qualifying All Borrower Residual Income | XXX | XXX | Lenders primary housing payment is incorrect due to the XXX tax added twice. |
| 2025120330 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120330 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120283 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120283 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120354 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120354 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120288 | Qualifying Total Reserves Number of Months | XXX | XXX | per assets listed on 1003. |
| 2025120288 | Qualifying Total Debt Income Ratio | XXX | XXX | per updated credit report variance of $XXX. |
| 2025120288 | Qualifying Housing Debt Income Ratio | XXX | XXX | < XXX% variance. |
| 2025120288 | Qualifying All Borrower Residual Income | XXX | XXX | per updated credit report variance of $XXX. |
| 2025120180 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120180 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120518 | Property Address | XXX | XXX | True Data value captured from the note |
| 2025120518 | Property County | XXX | XXX | True Data value captured from the mortgage |
| 2025120518 | Qualifying Housing Debt Income Ratio | XXX | XXX | True Data value matches 1008. Primary housing payment of $XXX / Income of $XXX. |
| 2025120518 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit using initial unexpired credit report vs. lender using the XXX credit report. |
| 2025120518 | Qualifying All Borrower Residual Income | XXX | XXX | True Data value calculated with income and debts. Appears Tape Rounded to whole number |
| 2025120349 | Borrower 2 Origination Experian | XXX | XXX | Per credit report |
| 2025120349 | Borrower 1 Origination Experian | XXX | XXX | Per Credit report |
| 2025120349 | Qualifying FICO | XXX | XXX | Using primary wage earner credit score |
| 2025120349 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120349 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding difference |
| 2025120349 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120448 | Borrower 2 Origination TransUnion | XXX | XXX | True Data Value for B2 middle credit score captured from the Credit Risk Summary & Exception Approval - Credit report in file is expired |
| 2025120448 | Borrower 2 Origination Experian | XXX | XXX | True Data value B2 score captured from the Credit Risk Summary & Exception Approval due to the Broker's credit report in the loan file is missing. |
| 2025120448 | Borrower 1 Origination Equifax | XXX | XXX | True Data value B1 score captured from the Credit Risk Summary & Exception Approval due to the Broker's credit report in the loan file is missing. |
| 2025120448 | Borrower 1 Origination TransUnion | XXX | XXX | True Data value B1 score captured from the Credit Risk Summary & Exception Approval due to the Broker's credit report in the loan file is missing. |
| 2025120448 | Borrower 1 Origination Experian | XXX | XXX | True Data value B1 score captured from the Credit Risk Summary & Exception Approval due to the Broker's credit report in the loan file is missing. |
| 2025120448 | Borrower 2 Origination Equifax | XXX | XXX | True Data value B2 score captured from the Credit Risk Summary & Exception Approval due to the Broker's credit report in the loan file is missing. |
| 2025120448 | Qualifying Total Debt Income Ratio | XXX | XXX | True Data DTI variance is due to the broker's credit report is expired. Audit used the lender's credit report which reflects XXX acct ending XXX was paid in full as of XXX. The final application reflects this same account with a $XXX per month payment and a $XXX balance. |
| 2025120448 | Qualifying All Borrower Residual Income | XXX | XXX | True Data value calculated from income minus debts. Audit debts are less than lender debts due to the Lenders credit report reflects XXX acct ending XXX was paid in full on XXX. |
| 2025120324 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120324 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120359 | Property Type | XXX | XXX | Audit updated to XXX based on XXX definition |
| 2025120359 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120359 | Underwriting Exception in File? | XXX | XXX | The file does not include an underwriting exception |
| 2025120359 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120321 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120321 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120519 | Property City | XXX | XXX | No discrepancy. |
| 2025120519 | Qualifying Total Reserves Number of Months | XXX | XXX | Audit using cash out proceeds, 1008 reflects XXX months. |
| 2025120519 | Qualifying Housing Debt Income Ratio | XXX | XXX | 1008 reflects XXX%. |
| 2025120519 | Qualifying Total Debt Income Ratio | XXX | XXX | 1008 reflects XXX%. |
| 2025120519 | Qualifying All Borrower Residual Income | XXX | XXX | CRSE reflects $XXX. |
| 2025120514 | Property County | XXX | XXX | True Data Value captured from the XXX |
| 2025120514 | Qualifying Total Debt Income Ratio | XXX | XXX | True Data value DTI variance is due to $XXX difference in the primary housing payment. |
| 2025120514 | Qualifying Housing Debt Income Ratio | XXX | XXX | True Data Value calculated with primary housing pmt of $XXX. Lender 1008 reflects $XXX primary housing payment. Rental checks confirm $XXX. |
| 2025120514 | Qualifying All Borrower Residual Income | XXX | XXX | True Data variance is due to the $XXX difference in the primary housing payment. $XXX |
| 2025120203 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender used an updated credit report |
| 2025120203 | Qualifying All Borrower Residual Income | XXX | XXX | Lender used an updated credit report |
| 2025120383 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets at closing, including proceeds from sale of departure residence |
| 2025120383 | Qualifying Total Debt Income Ratio | XXX | XXX | True Data matches the 1008 & XXX. |
| 2025120383 | Qualifying Housing Debt Income Ratio | XXX | XXX | True Data matches the 1008 and XXX. |
| 2025120383 | Qualifying All Borrower Residual Income | XXX | XXX | Re-verified income and debt from the origination credit report plus the subject PITIA. |
| 2025120252 | Application Date | XXX | XXX | Application date has been entered as XXX. |
| 2025120252 | Qualifying Total Reserves Number of Months | XXX | XXX | Rounding. |
| 2025120252 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding. |
| 2025120252 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2025120252 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2025120209 | Borrower 1 Self-Employment Flag | XXX | XXX | Documents in the file state no income for B1 |
| 2025120209 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120209 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120234 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets are based on the current balance from the accts listed on the XXX, XXX is verified. |
| 2025120234 | Qualifying Total Debt Income Ratio | XXX | XXX | Variance is due to using the debt payments from the origination credit report. |
| 2025120234 | Qualifying All Borrower Residual Income | XXX | XXX | Variance is due to using the debt payments from the origination credit report. |
| 2025120339 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120339 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120239 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120239 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120300 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets match 1008 |
| 2025120300 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120300 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120488 | Cash Disbursement Date | XXX | XXX | Disbursement date on XXX per letter in the file |
| 2025120488 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets in the file |
| 2025120488 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender used an updated credit report |
| 2025120488 | Qualifying All Borrower Residual Income | XXX | XXX | Lender used an updated credit report |
| 2025120478 | Application Date | XXX | XXX | Application date is XXX in XXX. Obtained from Disclosure Tracking on pg XXX. |
| 2025120478 | Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance-Income is re-verified. Lender used XXX% expense factor vs. XXX% on the XXX letter. Variance is due to using the debt payments from the origination credit report. Accts XXX or less payment or XXX accts were added to the debt for more conservative figure, like he lender did. |
| 2025120478 | Qualifying All Borrower Residual Income | XXX | XXX | Income is re-verified. Lender used XXX% expense factor vs. XXX% on the CPA letter. Variance is due to using the debt payments from the origination credit report. Accts XXX or less payment or XXX accts were added to the debt for more conservative figure, like he lender did. |
| 2025120083 | Qualifying Total Reserves Number of Months | XXX | XXX | Audit used more recent account statement balance than Lender. |
| 2025120083 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding. |
| 2025120235 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120235 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120320 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets as of closing |
| 2025120320 | Qualifying Total Debt Income Ratio | XXX | XXX | Original v XXX XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120320 | Qualifying Housing Debt Income Ratio | XXX | XXX | 1008 reflects the taxes XXX, overstating the XXX coverage |
| 2025120320 | Qualifying All Borrower Residual Income | XXX | XXX | Original v XXX XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120350 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding. |
| 2025120495 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2025120298 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets at time of closing, qualifying rate used to calculate reserve requirements |
| 2025120298 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120298 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120298 | Qualifying Housing Debt Income Ratio | XXX | XXX | rounding |
| 2025120247 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets as of closing |
| 2025120247 | Qualifying Housing Debt Income Ratio | XXX | XXX | XXX taxes are understated |
| 2025120247 | Qualifying Total Debt Income Ratio | XXX | XXX | XXX not included in debt load, XXX taxes are understated |
| 2025120247 | Qualifying All Borrower Residual Income | XXX | XXX | XXX not included in debt load, XXX taxes are understated |
| 2025120191 | Borrower 1 Origination Equifax | XXX | XXX | broker v lender XXX |
| 2025120191 | Borrower 1 Origination Experian | XXX | XXX | broker v lender XXX |
| 2025120191 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets on XXX lists the same account XXX. Audit is using the account once. |
| 2025120191 | Qualifying All Borrower Residual Income | XXX | XXX | Tape Data is rounded. |
| 2025120356 | Qualifying Total Reserves Number of Months | XXX | XXX | rounding |
| 2025120356 | Qualifying Total Debt Income Ratio | XXX | XXX | The final 1003/1008 do not reflect the XXX that is on the XXX report. |
| 2025120356 | Qualifying All Borrower Residual Income | XXX | XXX | The final 1003/1008 do not reflect the XXX that is on the XXX report. |
| 2025120241 | Application Date | XXX | XXX | per 1003 |
| 2025120241 | Property Type | XXX | XXX | XXX based on XXX definition |
| 2025120241 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets as of closing |
| 2025120241 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120190 | Qualifying Total Reserves Number of Months | XXX | XXX | XXX issue with cash out proceeds populating on the CD page |
| 2025120190 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report. |
| 2025120190 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report. |
| 2025120095 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs in the file |
| 2025120095 | Qualifying All Borrower Residual Income | XXX | XXX | Same data rounded |
| 2025120272 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2025120272 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2025120357 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120357 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120229 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded data |
| 2025120200 | Qualifying Total Reserves Number of Months | XXX | XXX | Missing documentation showing borrower has received the $XXX gift. |
| 2025120200 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120200 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120470 | Property Address | XXX | XXX | per note. |
| 2025120470 | Borrower 1 Last Name | XXX | XXX | per note. |
| 2025120470 | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower's 'other' income is XXX. |
| 2025120470 | Property Type | XXX | XXX | XXX based on XXX Definition |
| 2025120470 | Qualifying Housing Debt Income Ratio | XXX | XXX | < XXX% variance. |
| 2025120470 | Qualifying Total Debt Income Ratio | XXX | XXX | Variance of $XXX per updated credit report. |
| 2025120470 | Qualifying All Borrower Residual Income | XXX | XXX | Variance of $XXX per updated credit report. |
| 2025120332 | Qualifying FICO | XXX | XXX | Per credit report dated XXX |
| 2025120332 | Borrower 1 Origination Experian | XXX | XXX | Per credit report dated XXX |
| 2025120332 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using updated credit report |
| 2025120332 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using updated credit report |
| 2025120189 | Qualifying Total Reserves Number of Months | XXX | XXX | assets per 1003. |
| 2025120189 | Qualifying Housing Debt Income Ratio | XXX | XXX | Variance in debts per updated credit report ($XXX) and variance in PITI in investment property ($XXX). |
| 2025120189 | Qualifying Total Debt Income Ratio | XXX | XXX | Variance in debts per updated credit report ($XXX) and variance in PITI in investment property ($XXX). |
| 2025120189 | Qualifying All Borrower Residual Income | XXX | XXX | Variance in debts per updated credit report ($XXX) and variance in PITI in investment property ($XXX). |
| 2025120513 | Borrower 1 Last Name | XXX | XXX | True Data is last name per Note. |
| 2025120513 | Application Date | XXX | XXX | Per initial 1003 |
| 2025120513 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets in the file which match the lenders 1008 |
| 2025120513 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded data |
| 2025120364 | Qualifying CLTV | XXX | XXX | rounding |
| 2025120364 | Qualifying LTV | XXX | XXX | rounding |
| 2025120364 | Qualifying Total Reserves Number of Months | XXX | XXX |  |
| 2025120364 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120364 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120462 | Qualifying LTV | XXX | XXX | Rounding. 1008 reflects XXX%. |
| 2025120462 | Qualifying CLTV | XXX | XXX | Rounding. 1008 reflects XXX%. |
| 2025120462 | Qualifying Total Reserves Number of Months | XXX | XXX | Verified assets in file greater than Lender's amount. |
| 2025120462 | Qualifying Total Debt Income Ratio | XXX | XXX | The Lender did not include the payment for the Borrower's departing residence and stated it was sold, however, it was not sold. was |
| 2025120462 | Qualifying All Borrower Residual Income | XXX | XXX | The Lender did not include the payment for the Borrower's departing residence and stated it was sold, however, it was not sold. was |
| 2025120246 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120246 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120306 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit_calculated from diligence and verified income/expenses |
| 2025120306 | Qualifying All Borrower Residual Income | XXX | XXX | Variance is due to using the debt from the origination credit report. |
| 2025120242 | Qualifying Total Reserves Number of Months | XXX | XXX | Lenders 1008 has an incorrect P&I figure |
| 2025120242 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120242 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120162 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2025120162 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2025120264 | Qualifying Total Reserves Number of Months | XXX | XXX | assets entered match the 1008 |
| 2025120264 | Qualifying Total Debt Income Ratio | XXX | XXX | lender misstated the borrower's primary housing expense |
| 2025120264 | Qualifying Housing Debt Income Ratio | XXX | XXX | lender misstated the borrower's primary housing expense |
| 2025120264 | Qualifying All Borrower Residual Income | XXX | XXX | lender misstated the borrower's primary housing expense |
| 2025120401 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120401 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120187 | Property Type | XXX | XXX | row house, attached per appraisal |
| 2025120187 | Underwriting Exception in File? | XXX | XXX | Exception granted Residual income of $XXX does not meet guideline minimum of $XXX. |
| 2025120187 | Qualifying All Borrower Residual Income | XXX | XXX | rounding |
| 2025120137 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding difference |
| 2025120137 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding difference |
| 2025120509 | Property County | XXX | XXX | Per Mortgage, Title and Appraisal. |
| 2025120509 | Application Date | XXX | XXX | True Data is the application date per Disclosure Tracking document. |
| 2025120509 | Qualifying Total Reserves Number of Months | XXX | XXX | Audit verified assets less than Lender. |
| 2025120509 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit matches 1008/XXX. |
| 2025120509 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit matches 1008/XXX. |
| 2025120509 | Qualifying All Borrower Residual Income | XXX | XXX | Audit matches XXX. |
| 2025120545 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets in file |
| 2025120545 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded data |
| 2025120266 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets in the file that are listed on the XXX. |
| 2025120266 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2025120109 | Property Type | XXX | XXX |  |
| 2025120109 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120109 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120160 | Qualifying Total Reserves Number of Months | XXX | XXX | Not including gift |
| 2025120160 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using updated XXX |
| 2025120160 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using updated XXX |
| 2025120467 | Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance is due to using the debt payments from the origination credit report. |
| 2025120467 | Qualifying Housing Debt Income Ratio | XXX | XXX | True Data is based on cash-out amount. |
| 2025120467 | Qualifying All Borrower Residual Income | XXX | XXX | Variance is due to using the debt payments from the origination credit report. |
| 2025120208 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120208 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120224 | Qualifying Housing Debt Income Ratio | XXX | XXX | DTI variance-used debt from the origination credit report. |
| 2025120224 | Qualifying Total Debt Income Ratio | XXX | XXX | Using debt from the origination credit report. |
| 2025120224 | Qualifying All Borrower Residual Income | XXX | XXX | Variance is due to using the debt from the origination credit report. |
| 2025120445 | Borrower 1 Last Name | XXX | XXX | Per Mortgage and XXX |
| 2025120445 | Qualifying Total Reserves Number of Months | XXX | XXX | Gift of equity cannot be included in reserves |
| 2025120445 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120445 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120233 | Borrower 1 Last Name | XXX | XXX | per mortgage |
| 2025120233 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120233 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120254 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded data |
| 2025120101 | Qualifying All Borrower Residual Income | XXX | XXX | rounding |
| 2025120447 | Borrower 1 Origination Experian | XXX | XXX | Lenders scores are from an outdated report. |
| 2025120447 | Borrower 1 Origination Equifax | XXX | XXX | Lenders scores are from an outdated report. |
| 2025120447 | Borrower 1 Origination TransUnion | XXX | XXX | Lenders scores are from an outdated report. |
| 2025120447 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded data |
| 2025120156 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance Using .XXX to calculate the student loan payments.  |
| 2025120156 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance Using .XXX to calculate the student loan payments.  |
| 2025120174 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded data |
| 2025120213 | Qualifying Total Reserves Number of Months | XXX | XXX |  |
| 2025120213 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report. |
| 2025120213 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report. |
| 2025120487 | Property Address | XXX | XXX | Same data |
| 2025120487 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounded data |
| 2025120487 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded data |
| 2025120149 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2025120496 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit is using the initial unexpired credit report to determine liabilities, lender is using the XXX report. |
| 2025120496 | Qualifying All Borrower Residual Income | XXX | XXX | Audit is using the initial unexpired credit report to determine liabilities, lender is using the XXX report. |
| 2025120102 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120102 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120471 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2025120460 | Qualifying LTV | XXX | XXX |  |
| 2025120460 | Qualifying CLTV | XXX | XXX |  |
| 2025120460 | Qualifying All Borrower Residual Income | XXX | XXX | rounding |
| 2025120465 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on initial credit report and XXX-Day refresh credit report. |
| 2025120465 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on initial credit report and XXX-Day refresh credit report. |
| 2025120054 | Borrower 1 Last Name | XXX | XXX | per note |
| 2025120054 | Borrower 1 Origination Equifax | XXX | XXX | broker v lender XXX |
| 2025120054 | Borrower 1 Origination Experian | XXX | XXX | broker v lender XXX |
| 2025120054 | Borrower 1 Origination TransUnion | XXX | XXX | broker v lender XXX |
| 2025120054 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120054 | Underwriting Exception in File? | XXX | XXX |  |
| 2025120054 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120051 | Borrower 1 Last Name | XXX | XXX | per note |
| 2025120051 | Borrower 1 Origination Experian | XXX | XXX | broker v lender XXX |
| 2025120051 | Borrower 1 Origination TransUnion | XXX | XXX | broker v lender XXX |
| 2025120051 | Borrower 1 Origination Equifax | XXX | XXX | broker v lender XXX |
| 2025120051 | Qualifying Total Reserves Number of Months | XXX | XXX | rounding |
| 2025120051 | Underwriting Exception in File? | XXX | XXX |  |
| 2025120051 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120201 | Qualifying Total Reserves Number of Months | XXX | XXX | Rounding |
| 2025120201 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding |
| 2025120201 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2025120201 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2025120164 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2025120363 | Borrower 2 Origination TransUnion | XXX | XXX | Per credit report dated XXX |
| 2025120363 | Borrower 2 Origination Experian | XXX | XXX | Per credit report dated XXX |
| 2025120363 | Borrower 2 Origination Equifax | XXX | XXX | Per credit report dated XXX |
| 2025120363 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120363 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120122 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding. |
| 2025120139 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit using initial unexpired credit report, lender is using an updated credit report |
| 2025120139 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 2025120139 | Qualifying All Borrower Residual Income | XXX | XXX | Audit using initial unexpired credit report, lender is using an updated credit report |
| 2025120143 | Qualifying Total Debt Income Ratio | XXX | XXX | Difference $XXX of broker credit monthly liabilities compared to XXX credit report monthly liabilities. |
| 2025120143 | Qualifying All Borrower Residual Income | XXX | XXX | Difference $XXX of broker credit monthly liabilities compared to XXX credit report monthly liabilities. |
| 2025120458 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets are based on the verified funds in the file based on the most recent acct balances from the accts listed on the XXX. |
| 2025120458 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120458 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding |
| 2025120458 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120417 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report dated XXX. |
| 2025120417 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report dated XXX. |
| 2025120417 | Borrower 1 Origination Experian | XXX | XXX | Per credit report dated XXX. |
| 2025120417 | Qualifying Total Reserves Number of Months | XXX | XXX | Per verified assets in the file minus cash to close |
| 2025120417 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report and Audit using $XXX per documents provided in file vs. lender $XXX. |
| 2025120417 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit using $XXX per documents provided in file vs. lender $XXX. |
| 2025120417 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120161 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2025120161 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2025120163 | Borrower 1 Last Name | XXX | XXX | Same data per DOT |
| 2025120163 | Qualifying Total Debt Income Ratio | XXX | XXX | Rounding |
| 2025120163 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding |
| 2025120210 | Underwriting Exception in File? | XXX | XXX |  |
| 2025120060 | Qualifying Total Debt Income Ratio | XXX | XXX | Rounded figure |
| 2025120060 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2025120380 | Borrower 1 Last Name | XXX | XXX | per note and borrower ID |
| 2025120380 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120442 | Borrower 1 Origination TransUnion | XXX | XXX | Original brokers report is out of date. The scores are Per credit report dated XXX. |
| 2025120442 | Borrower 1 Origination Equifax | XXX | XXX | Original brokers report is out of date. The scores are Per credit report dated XXX. |
| 2025120442 | Borrower 1 Origination Experian | XXX | XXX | Original brokers report is out of date. The scores are Per credit report dated XXX. |
| 2025120442 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves based on verified assets in file minus cash to close. |
| 2025120442 | Qualifying All Borrower Residual Income | XXX | XXX | audit using less income than lender $XXX vs. $XXX , however, lender income worksheet also reflects $XXX |
| 2025120207 | Qualifying Total Debt Income Ratio | XXX | XXX | Rounded figure |
| 2025120207 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2025120265 | Initial Monthly P&I Or IO Payment | XXX | XXX | Calculated from note in file and calculation based off guidelines section XXX |
| 2025120265 | Qualifying CLTV | XXX | XXX | True data CLTV matches 1008 and XXX LTV of XXX% |
| 2025120265 | Qualifying LTV | XXX | XXX | True data LTV matches 1008 and XXX LTV of XXX% |
| 2025120265 | Qualifying Total Reserves Number of Months | XXX | XXX | Calculated from assets in file and cash received at closing |
| 2025120265 | Qualifying Total Debt Income Ratio | XXX | XXX | Difference in monthly credit liabilities from broker report and incorrect P&I used in calculation. |
| 2025120265 | Qualifying Housing Debt Income Ratio | XXX | XXX | Tape data using incorrect monthly P&I payment of $XXX in calculation. |
| 2025120265 | Qualifying All Borrower Residual Income | XXX | XXX | Difference in monthly credit liabilities from broker report and incorrect P&I used in calculation. |
| 2025120177 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves based on assets verified in file minus cash to close. |
| 2025120177 | Qualifying All Borrower Residual Income | XXX | XXX | Rental income not verified in file, full PITIA counted in DTI |
| 2025120110 | Qualifying CLTV | XXX | XXX | Rounded figure |
| 2025120110 | Qualifying LTV | XXX | XXX | Rounded figure |
| 2025120110 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit not including the borrowers departing property PITI as this property sold on XXX prior to subject closing on XXX as evidenced by the settlement statement provided, lender included. |
| 2025120110 | Qualifying All Borrower Residual Income | XXX | XXX | Audit not including the borrowers departing property PITI as this property sold on XXX prior to subject closing on XXX as evidenced by the settlement statement provided, lender included. |
| 2025120338 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120338 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120138 | Initial Monthly P&I Or IO Payment | XXX | XXX | XXX payment vs qualifying payment |
| 2025120138 | Qualifying Total Reserves Number of Months | XXX | XXX | cash out used for assets per 1008 |
| 2025120138 | Qualifying All Borrower Residual Income | XXX | XXX | rounding |
| 2025120457 | Qualifying Total Reserves Number of Months | XXX | XXX | balances increased after approval |
| 2025120457 | Qualifying Housing Debt Income Ratio | XXX | XXX | rounding in calculations |
| 2025120457 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120457 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120126 | Qualifying Total Reserves Number of Months | XXX | XXX | 1008 reflects XXX months. |
| 2025120126 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender excluded a consumer debt payment of $XXX per month. |
| 2025120126 | Qualifying All Borrower Residual Income | XXX | XXX | Lender excluded a consumer debt payment of $XXX per month. |
| 2025120211 | Qualifying Housing Debt Income Ratio | XXX | XXX | Per Housing DTI |
| 2025120211 | Qualifying All Borrower Residual Income | XXX | XXX | Per residual income |
| 2025120402 | Qualifying FICO | XXX | XXX | Mid score from report dated XXX. |
| 2025120402 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets are based on cash-out and verified asset acct in file that is listed on the final 1003. |
| 2025120402 | Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance is due to Primary residence taxes are higher. |
| 2025120402 | Qualifying Housing Debt Income Ratio | XXX | XXX | Primary residence taxes are higher. |
| 2025120402 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance is due to Primary residences taxes are higher. |
| 2025120463 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on early and XXX-Day credit reports. |
| 2025120463 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on early and XXX-Day credit reports. |
| 2025120145 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2025120145 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2025120165 | Borrower 1 Self-Employment Flag | XXX | XXX | B1 is a W2 employee, B2 is self-employed. |
| 2025120165 | Qualifying FICO | XXX | XXX | Sourced from credit report dated XXX. |
| 2025120165 | Borrower 1 Origination TransUnion | XXX | XXX | Sourced from credit report dated XXX. |
| 2025120165 | Borrower 2 Origination Equifax | XXX | XXX | Sourced from credit report dated XXX. |
| 2025120165 | Borrower 2 Origination TransUnion | XXX | XXX | Sourced from credit report dated XXX. |
| 2025120165 | Borrower 1 Origination Experian | XXX | XXX | Sourced from credit report dated XXX. |
| 2025120165 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets are based on the most recent balances from the XXX listed on the final 1003 w/earnest money verified. |
| 2025120165 | Qualifying Housing Debt Income Ratio | XXX | XXX | DTI variance-using origination credit report debt. There is a variance in the rental income for property XXX and XXX. |
| 2025120165 | Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance-using origination credit report debt. There is a variance in the rental income for property XXX and XXX. |
| 2025120165 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance-using origination credit report debt. There is a variance in the rental income for property XXX and XXX. |
| 2025120343 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding difference |
| 2025120343 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120343 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120072 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2025120540 | Property Address | XXX | XXX | No discrepancy. |
| 2025120540 | Application Date | XXX | XXX | Disclosure tracking summary shows application date is XXX |
| 2025120540 | Qualifying LTV | XXX | XXX | Rounding. |
| 2025120540 | Qualifying CLTV | XXX | XXX | Rounding. |
| 2025120540 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding. |
| 2025120505 | Property Address | XXX | XXX | upper and lower case |
| 2025120505 | Qualifying All Borrower Residual Income | XXX | XXX | rounding |
| 2025120074 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets at closing |
| 2025120074 | Qualifying Housing Debt Income Ratio | XXX | XXX | Updated XXX payment for departing residence and using debt from origination credit report. |
| 2025120074 | Qualifying Total Debt Income Ratio | XXX | XXX | Updated XXX payment for departing residence and using debt from origination credit report. |
| 2025120074 | Qualifying All Borrower Residual Income | XXX | XXX | Updated XXX payment for departing residence and using debt from origination credit report. |
| 2025120473 | Qualifying Total Reserves Number of Months | XXX | XXX | Discrepancy resulting from variance between Audit subject XXX and Lender's amount ($XXX/mo). |
| 2025120473 | Qualifying Housing Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between Audit subject XXX and Lender's amount ($XXX/mo). |
| 2025120473 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between Audit subject XXX and Lender's amount ($XXX/mo). |
| 2025120473 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between Audit subject XXX and Lender's amount ($XXX/mo). |
| 2025120408 | Qualifying Total Reserves Number of Months | XXX | XXX | Based on assets documented in the file. |
| 2025120226 | Qualifying Total Debt Income Ratio | XXX | XXX | Rounding |
| 2025120226 | Qualifying All Borrower Residual Income | XXX | XXX | Verified Income retirement income docs |
| 2025120090 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120504 | Property Address | XXX | XXX | No discrepancy. |
| 2025120504 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between Audit and Lender income calculations and consumer debt on Broker and XXX-Day credit reports. |
| 2025120504 | Borrower 2 Origination Equifax | XXX | XXX | Per credit report dated XXX. |
| 2025120504 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report dated XXX. |
| 2025120504 | Borrower 2 Origination Experian | XXX | XXX | Per credit report dated XXX. |
| 2025120504 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report dated XXX. |
| 2025120504 | Borrower 2 Origination TransUnion | XXX | XXX | Per credit report dated XXX. |
| 2025120504 | Borrower 1 Origination Experian | XXX | XXX | Per credit report dated XXX. |
| 2025120504 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between Audit and Lender income calculations and consumer debt on Broker and XXX-Day credit reports. |
| 2025120507 | Property Address | XXX | XXX | Same data |
| 2025120507 | Qualifying Total Reserves Number of Months | XXX | XXX | Lender is using full amount of business assets. Borrower owns XXX% of the business. |
| 2025120507 | Qualifying Total Debt Income Ratio | XXX | XXX | Appears Lender XXX monthly lease. |
| 2025120507 | Underwriting Exception in File? | XXX | XXX | Exception in the file |
| 2025120507 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120544 | Application Date | XXX | XXX | Per Disclosure Tracking the application date is XXX. |
| 2025120544 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance. XXX report is missing. |
| 2025120544 | Underwriting Exception in File? | XXX | XXX |  |
| 2025120544 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance. XXX report is missing. |
| 2025120088 | Qualifying Total Reserves Number of Months | XXX | XXX | Based on verified assets from the accounts listed on the final 1003. |
| 2025120088 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded |
| 2025120044 | Qualifying Total Reserves Number of Months | XXX | XXX | Using the most recent bank balances per accts listed on the F1003. |
| 2025120044 | Qualifying All Borrower Residual Income | XXX | XXX | Lender rounded down |
| 2025120150 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120150 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120144 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120144 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120173 | Qualifying Total Reserves Number of Months | XXX | XXX | Gift funds are not included in available reserves. |
| 2025120173 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded data |
| 2025120188 | Property Type | XXX | XXX | Subject is considered an attached townhome based on XXX definition |
| 2025120188 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding |
| 2025120030 | Qualifying FICO | XXX | XXX | Using initial credit report |
| 2025120030 | Borrower 1 Origination TransUnion | XXX | XXX | Using initial credit report |
| 2025120030 | Borrower 1 Origination Experian | XXX | XXX | Using middle score for primary wage earner |
| 2025120030 | Borrower 1 Origination Equifax | XXX | XXX | Using initial credit report |
| 2025120030 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender using higher qualifying income and XXX credit |
| 2025120030 | Qualifying Housing Debt Income Ratio | XXX | XXX | Lender using higher qualifying income and XXX credit |
| 2025120030 | Qualifying All Borrower Residual Income | XXX | XXX | Lender using higher qualifying income and XXX credit |
| 2025120178 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs in the file |
| 2025120178 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120178 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120105 | Qualifying Total Reserves Number of Months | XXX | XXX | XXX #XXX has a discrepancy between the 1003 and the asset statement. |
| 2025120105 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120105 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120474 | Qualifying CLTV | XXX | XXX | rounding |
| 2025120474 | Qualifying LTV | XXX | XXX | rounding |
| 2025120474 | Qualifying All Borrower Residual Income | XXX | XXX | rounding |
| 2025120511 | Qualifying Total Reserves Number of Months | XXX | XXX | Calculated from assets in file |
| 2025120511 | Qualifying Total Debt Income Ratio | XXX | XXX | Difference in monthly liabilities from broker credit report. Mortgage also included from property awarded to XXX per XXX. Audit did not include into monthly liabilities. |
| 2025120511 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding |
| 2025120511 | Qualifying All Borrower Residual Income | XXX | XXX | Difference in monthly liabilities from broker credit report. Mortgage also included from property awarded to XXX per XXX. Audit did not include into monthly liabilities. |
| 2025120456 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding |
| 2025120070 | Qualifying Total Debt Income Ratio | XXX | XXX | Liabilities used from brokers unexpired credit report vs lender report. |
| 2025120070 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding |
| 2025120070 | Qualifying All Borrower Residual Income | XXX | XXX | Liabilities used from brokers unexpired credit report vs lender report. |
| 2025120133 | Borrower 1 Last Name | XXX | XXX | Per Mortgage and ID |
| 2025120133 | Qualifying Total Reserves Number of Months | XXX | XXX | Gift funds are not included |
| 2025120133 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2025120069 | Borrower 1 Last Name | XXX | XXX | Per Note. |
| 2025120069 | Qualifying Total Reserves Number of Months | XXX | XXX | XXX not sourced - checking account shows $XXX withdrawal but missing check to source XXX |
| 2025120069 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender using updated credit report |
| 2025120069 | Qualifying All Borrower Residual Income | XXX | XXX | Lender using updated credit report |
| 2025120087 | Borrower 1 Origination TransUnion | XXX | XXX | Per origination credit report. |
| 2025120087 | Borrower 1 Origination Equifax | XXX | XXX | Per origination credit report. |
| 2025120087 | Borrower 1 Origination Experian | XXX | XXX | Per origination credit report. |
| 2025120087 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets verified are derived from all combined accounts in loan file images. |
| 2025120087 | Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance=using debt payments from the origination credit report. |
| 2025120087 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding |
| 2025120087 | Underwriting Exception in File? | XXX | XXX |  |
| 2025120087 | Qualifying All Borrower Residual Income | XXX | XXX | Based on origination credit report debts |
| 2025120152 | Qualifying Total Reserves Number of Months | XXX | XXX | Stocks-using XXX% of value vs. XXX%. |
| 2025120152 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120152 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120432 | Borrower 1 Origination Experian | XXX | XXX | Audit using credit score from the initial unexpired credit report dated XXX. |
| 2025120432 | Borrower 2 Origination TransUnion | XXX | XXX | Audit using credit score from the initial unexpired credit report dated XXX. |
| 2025120432 | Borrower 2 Origination Experian | XXX | XXX | Audit using credit score from the initial unexpired credit report dated XXX. |
| 2025120432 | Borrower 1 Origination TransUnion | XXX | XXX | Audit using credit score from the initial unexpired credit report dated XXX. |
| 2025120432 | Borrower 1 Origination Equifax | XXX | XXX | Audit using credit score from the initial unexpired credit report dated XXX. |
| 2025120432 | Qualifying Total Reserves Number of Months | XXX | XXX | Audit using verified assets minus cash to close |
| 2025120432 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding |
| 2025120228 | Qualifying Total Reserves Number of Months | XXX | XXX | Lenders calculation is adding the gift funds |
| 2025120228 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120228 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120176 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120176 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120489 | Qualifying Total Reserves Number of Months | XXX | XXX | File is short $XXX in reserves. File did not include the final settlement statement for the sale of $XXX XXX netting $XXX and the satisfaction of lien with XXX. |
| 2025120489 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120489 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120039 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120039 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding difference |
| 2025120039 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120086 | Borrower 2 Origination Equifax | XXX | XXX | Per Credit report dated XXX |
| 2025120086 | Borrower 1 Origination Experian | XXX | XXX | Per Credit report dated XXX |
| 2025120086 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2025120132 | Borrower 1 Last Name | XXX | XXX | XXX |
| 2025120132 | Qualifying Housing Debt Income Ratio | XXX | XXX | Lender using a higher qualifying income for B2 - B2 owns XXX% of XXX but income calc does not show XXX was used in calculation, also lender using updated credit |
| 2025120132 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender using a higher qualifying income for B2 - B2 owns XXX% of XXX but income calc does not show XXX was used in calculation, also lender using updated credit |
| 2025120132 | Qualifying FICO | XXX | XXX | Using middle score of primary income earner |
| 2025120132 | Borrower 1 Origination Experian | XXX | XXX | Using broker credit |
| 2025120132 | Borrower 1 Origination Equifax | XXX | XXX |  |
| 2025120132 | Borrower 1 Origination TransUnion | XXX | XXX |  |
| 2025120132 | Qualifying All Borrower Residual Income | XXX | XXX | Lender using a higher qualifying income for B2 - B2 owns XXX% of XXX but income calc does not show XXX was used in calculation |
| 2025120523 | Qualifying Housing Debt Income Ratio | XXX | XXX | per credit docs |
| 2025120523 | Qualifying Total Debt Income Ratio | XXX | XXX | Per income docs |
| 2025120523 | Qualifying All Borrower Residual Income | XXX | XXX | Per income docs |
| 2025120434 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report dated XXX |
| 2025120434 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report dated XXX |
| 2025120434 | Borrower 1 Origination Experian | XXX | XXX | Per credit report dated XXX |
| 2025120434 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2025120097 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120097 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120040 | Borrower 2 Origination Experian | XXX | XXX | Primary wage earner score was selected, both original and updated credit report reflect this score as XXX. |
| 2025120040 | Borrower 2 Origination TransUnion | XXX | XXX | Primary wage earner score was selected, both original and updated credit report reflect this score as XXX. |
| 2025120040 | Borrower 1 Origination TransUnion | XXX | XXX | Primary wage earner score was selected, both original and updated credit report reflect this score as XXX. |
| 2025120040 | Borrower 1 Origination Equifax | XXX | XXX | Primary wage earner score was selected, both original and updated credit report reflect this score as XXX. |
| 2025120040 | Borrower 1 Origination Experian | XXX | XXX | Primary wage earner score was selected, both original and updated credit report reflect this score as XXX. |
| 2025120040 | Borrower 2 Origination Equifax | XXX | XXX | Primary wage earner score was selected, both original and updated credit report reflect this score as XXX. |
| 2025120040 | Qualifying Total Reserves Number of Months | XXX | XXX | Lender did not include deposit in asset calculation. |
| 2025120040 | Qualifying All Borrower Residual Income | XXX | XXX | Variance is due to rounding. |
| 2025120195 | Property Type | XXX | XXX |  |
| 2025120195 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets as of closing |
| 2025120195 | Qualifying Total Debt Income Ratio | XXX | XXX | Missing complete PITIA on primary and rental |
| 2025120195 | Qualifying All Borrower Residual Income | XXX | XXX | Missing complete PITIA on primary and rental |
| 2025120181 | Qualifying Total Reserves Number of Months | XXX | XXX | Audit_ • Reserves are based on the cash-out amount at closing, rounding issues. |
| 2025120181 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit_calculated from diligence and verified income/expenses |
| 2025120181 | Qualifying All Borrower Residual Income | XXX | XXX | Verified_ Both residual income and reserve requirements are satisfied per XXX Statement guidelines.XXX he borrower XXX strong financial capacity with residual income of $XXX monthly, which is XXX% of the minimum $XXX requirement. The borrower also meets the minimum XXX-month reserve requirement for this XXX. |
| 2025120067 | Qualifying Total Reserves Number of Months | XXX | XXX | Lender is counting a $XXX gift |
| 2025120067 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120067 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120464 | Qualifying Total Reserves Number of Months | XXX | XXX | Using original credit report and using taxes form XXX |
| 2025120464 | Qualifying Total Debt Income Ratio | XXX | XXX | Using original credit report and using taxes form XXX |
| 2025120464 | Qualifying All Borrower Residual Income | XXX | XXX | Using original credit report and using taxes form XXX |
| 2025120508 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120508 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120381 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2025120381 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2025120065 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2025120065 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2025120140 | Qualifying Total Debt Income Ratio | XXX | XXX | Minor variance in B1 bank statement income calculation. Lender $XXX, Audit $XXX. |
| 2025120140 | Qualifying Housing Debt Income Ratio | XXX | XXX | Minor variance in B1 bank statement income calculation. Lender $XXX, Audit $XXX. |
| 2025120140 | Qualifying All Borrower Residual Income | XXX | XXX | Minor variance in B1 bank statement income calculation. Lender $XXX, Audit $XXX. |
| 2025120098 | Application Date | XXX | XXX | per 1003 |
| 2025120098 | Borrower 1 Self-Employment Flag | XXX | XXX | Final 1003 shows B1 as not employed |
| 2025120098 | Qualifying Housing Debt Income Ratio | XXX | XXX | variation in income as information on 1008 was not updated to reflect final 1003 |
| 2025120098 | Qualifying Total Debt Income Ratio | XXX | XXX | variation in income as information on 1008 was not updated to reflect final 1003 |
| 2025120098 | Qualifying All Borrower Residual Income | XXX | XXX | net rental loss for subject is understated based upon documentation found in file. More specifically, not found in file as there is no lease or Form 1007 to determine rental income for the subject |
| 2025120108 | Borrower 1 Last Name | XXX | XXX | per note |
| 2025120108 | Application Date | XXX | XXX | Date is XXX per Disclosure tracking p XXX. |
| 2025120108 | Qualifying Total Reserves Number of Months | XXX | XXX | rounding |
| 2025120108 | Qualifying All Borrower Residual Income | XXX | XXX | rounding |
| 2025120284 | Qualifying FICO | XXX | XXX | Per broker credit report dated XXX |
| 2025120284 | Borrower 1 Origination Experian | XXX | XXX | Per broker credit report dated XXX |
| 2025120284 | Borrower 1 Origination Equifax | XXX | XXX | Per broker credit report dated XXX |
| 2025120284 | Borrower 1 Origination TransUnion | XXX | XXX | Per broker credit report dated XXX |
| 2025120284 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120284 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounded difference |
| 2025120284 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120305 | Borrower 1 Origination Equifax | XXX | XXX | Per origination credit report. |
| 2025120305 | Borrower 1 Origination Experian | XXX | XXX | Per origination credit report. |
| 2025120305 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding issue. |
| 2025120042 | Qualifying Total Debt Income Ratio | XXX | XXX | Debt from origination credit report. |
| 2025120042 | Qualifying All Borrower Residual Income | XXX | XXX | Debt from origination credit report. |
| 2025120259 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120259 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120049 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets at closing |
| 2025120049 | Qualifying All Borrower Residual Income | XXX | XXX | rounding |
| 2025120490 | Borrower 1 Origination TransUnion | XXX | XXX | Per original and XXX report, FICO for Transunion is reported at XXX. |
| 2025120490 | Borrower 1 Origination Experian | XXX | XXX | Per original and XXX report, FICO for Transunion is reported at XXX. |
| 2025120490 | Borrower 1 Origination Equifax | XXX | XXX | Per original and XXX report, FICO for Transunion is reported at XXX. |
| 2025120490 | Qualifying Total Debt Income Ratio | XXX | XXX | Minor variance due to Bank statement income calculations and a slight variance in debt payments for Lowes, XXX, XXX and XXX. |
| 2025120490 | Qualifying Housing Debt Income Ratio | XXX | XXX | Minor variance due to Bank statement income calculations and a slight variance in debt payments for Lowes, XXX, XXX and XXX. |
| 2025120490 | Qualifying All Borrower Residual Income | XXX | XXX | Minor variance due to Bank statement income calculations and a slight variance in debt payments for Lowes, XXX, XXX and XXX. |
| 2025120279 | Borrower 1 Self-Employment Flag | XXX | XXX | No employment verified |
| 2025120279 | Borrower 1 Origination Equifax | XXX | XXX | per credit report dated XXX |
| 2025120279 | Borrower 1 Origination Experian | XXX | XXX | per credit report dated XXX |
| 2025120279 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs in the file |
| 2025120066 | Qualifying Total Reserves Number of Months | XXX | XXX | Lender used XXX% for Borrower's XXX account; whereas Audit used XXX%, per Guidelines. |
| 2025120066 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2025120066 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding. 1008 reflects XXX%. |
| 2025120066 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2025120185 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender used an updated credit report |
| 2025120185 | Qualifying All Borrower Residual Income | XXX | XXX | Lender used an updated credit report |
| 2025120336 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report, audit is using the debt from the origination credit report and using the XXX% of the XXX-XXX account, which is the conservative approach the lender used. |
| 2025120336 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report, audit is using the debt from the origination credit report and using the XXX% of the XXX-XXX account, which is the conservative approach the lender used. |
| 2025120024 | Borrower 1 Origination Experian | XXX | XXX | Per credit report dated XXX |
| 2025120024 | Borrower 2 Origination Experian | XXX | XXX | Per credit report dated XXX |
| 2025120024 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report dated XXX |
| 2025120024 | Borrower 2 Origination TransUnion | XXX | XXX | Per credit report dated XXX |
| 2025120024 | Borrower 2 Origination Equifax | XXX | XXX | Per credit report dated XXX |
| 2025120024 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report dated XXX |
| 2025120024 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs in the file. Lender not including cash to close |
| 2025120024 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2025120153 | Borrower 1 Origination TransUnion | XXX | XXX | Per Credit Report dated XXX |
| 2025120153 | Borrower 1 Origination Equifax | XXX | XXX | Per Credit Report dated XXX |
| 2025120153 | Borrower 1 Origination Experian | XXX | XXX | Per Credit Report dated XXX |
| 2025120153 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120153 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120036 | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower has negative self-employment income. |
| 2025120036 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs in the file |
| 2025120036 | Qualifying All Borrower Residual Income | XXX | XXX | The lender did not account for the XXX payment that the borrower took XXX on the XXX. |
| 2025120503 | Qualifying Total Reserves Number of Months | XXX | XXX | I was unable to match all the assets in the file. I used the more conservative amounts where there was a question and XXX #**XXX** is not in the file. |
| 2025120503 | Qualifying Total Debt Income Ratio | XXX | XXX | Lenders XXX calculation is slightly different than the actual figure - Audit $XXX vs lender $XXX per the 1008. |
| 2025120503 | Qualifying All Borrower Residual Income | XXX | XXX | Lenders XXX calculation is slightly different than the actual figure - Audit $XXX vs lender $XXX per the 1008. |
| 2025120020 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120020 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120494 | Qualifying Total Reserves Number of Months | XXX | XXX | Using XXX% of the XXX balance. |
| 2025120494 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2025120022 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120022 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120220 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120220 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120014 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs in the file |
| 2025120014 | Qualifying Housing Debt Income Ratio | XXX | XXX | Using the actual primary housing payment, debts from the origination credit report and actual insurance payment. |
| 2025120014 | Qualifying Total Debt Income Ratio | XXX | XXX | Borrowers initial credit report had significantly higher liability payments compared to the updated credit report used by the lender. |
| 2025120014 | Qualifying All Borrower Residual Income | XXX | XXX | Per bank statement docs and expense ratio |
| 2025120015 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs in the file, and based on the Final CD not the Post Close CD. |
| 2025120015 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded data |
| 2025120017 | Qualifying Total Reserves Number of Months | XXX | XXX | small variance in verified balances at time of closing |
| 2025120017 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender added Utility SelfReported accounts |
| 2025120017 | Qualifying All Borrower Residual Income | XXX | XXX | Lender added Utility SelfReported accounts |
| 2025120059 | Property Type | XXX | XXX | XXX based on XXX definition |
| 2025120059 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120059 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120068 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2025120068 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2025120130 | Qualifying Total Debt Income Ratio | XXX | XXX | Rounding figure |
| 2025120130 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2025120114 | Qualifying Total Reserves Number of Months | XXX | XXX | Lender used XXX% for XXX account and not XXX%, as per guidelines. |
| 2025120114 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding. |
| 2025120006 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between Audit income calculation and Lender's qualifying amount. |
| 2025120006 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2025120131 | Property Address | XXX | XXX | The Note, Mortgage Final CD, Contract and closing docs do not have the Unit #. Lenders 1003, 1008 and Appraisal list the Unit #XXX. |
| 2025120131 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120131 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120323 | Qualifying All Borrower Residual Income | XXX | XXX | rounding |
| 2025120158 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120158 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120037 | Qualifying Total Reserves Number of Months | XXX | XXX | XXX $XXX not verified cleared - check cleared after bank statement, therefore audit not using |
| 2025120037 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120037 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120057 | Borrower 1 Self-Employment Flag | XXX | XXX | B1 is a XXX employee. |
| 2025120057 | Qualifying Total Reserves Number of Months | XXX | XXX | Using XXX% of the XXX value. |
| 2025120057 | Qualifying Total Debt Income Ratio | XXX | XXX | Rounded difference |
| 2025120057 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2025120172 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2025120172 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2025120011 | Initial Monthly P&I Or IO Payment | XXX | XXX | Using start rate at XXX payment. |
| 2025120011 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2025120454 | Qualifying Total Debt Income Ratio | XXX | XXX | True Data is debt with the accts that were paid off not added to the DTI. It appears the lender added the debt to the DTI. |
| 2025120454 | Qualifying All Borrower Residual Income | XXX | XXX | lender's total debt calculation is understated |
| 2025120035 | Qualifying Total Reserves Number of Months | XXX | XXX | Borrower has XXX% ownership in the LLC, therefore the LLC assets are used for the borrower at a XXX% figure. This creates a shortage of borrowers reserves. |
| 2025120035 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120035 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120232 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report dated XXX |
| 2025120232 | Borrower 1 Origination Experian | XXX | XXX | Per credit report dated XXX |
| 2025120232 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report dated XXX |
| 2025120232 | Underwriting Exception in File? | XXX | XXX |  |
| 2025120232 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120081 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding. 1008 reflects XXX%. |
| 2025120081 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding. |
| 2025120115 | Qualifying Total Debt Income Ratio | XXX | XXX | discrepancy with XXX fee on rental. Used the higher, more conservative value |
| 2025120115 | Underwriting Exception in File? | XXX | XXX |  |
| 2025120115 | Qualifying All Borrower Residual Income | XXX | XXX | discrepancy with XXX fee on rental. Used the higher, more conservative value |
| 2025120452 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2025120452 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2025120025 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120025 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120084 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2025120050 | Borrower 1 Origination Experian | XXX | XXX | Per credit report dated XXX |
| 2025120050 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report dated XXX |
| 2025120050 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report dated XXX |
| 2025120050 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2025120400 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report dated XXX. |
| 2025120400 | Borrower 1 Origination Experian | XXX | XXX | Per credit report dated XXX. |
| 2025120400 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report dated XXX. |
| 2025120400 | Qualifying CLTV | XXX | XXX | Construction-to-Perm: borrower owns lot - bought for $XXX XXX. Per lender guides: XXX For lots owned < XXX months from application date for subject transaction, LTV is based on the lesser of the current appraised value of the property or the total acquisition costs (sum of construction costs and purchase price of lot) Audit using Purchase of lot $XXX and amount of construction loan $XXX for total acquisition costs = $XXX which is less than the appraised value of $XXX - difference in LTV XXX% compared to lender XXX%. |
| 2025120400 | Qualifying LTV | XXX | XXX | Construction-to-Perm: borrower owns lot - bought for $XXX XXX. Per lender guides: XXX For lots owned < XXX months from application date for subject transaction, LTV is based on the lesser of the current appraised value of the property or the total acquisition costs (sum of construction costs and purchase price of lot) Audit using Purchase of lot $XXX and amount of construction loan $XXX for total acquisition costs = $XXX which is less than the appraised value of $XXX - difference in LTV XXX% compared to lender XXX%. |
| 2025120400 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on early and XXX-Day credit reports. |
| 2025120400 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on early and XXX-Day credit reports. |
| 2025120033 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120033 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120019 | Initial Monthly P&I Or IO Payment | XXX | XXX | Guidelines state XXX YR term qualified at XXX YR AM full PITIA Payment |
| 2025120019 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120019 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120013 | Qualifying Total Reserves Number of Months | XXX | XXX | Lender's amount included gift funds deposited to XXX in total verified assets |
| 2025120013 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2025120013 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2025120446 | Borrower 1 Origination Experian | XXX | XXX | Per credit report dated XXX |
| 2025120446 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report dated XXX |
| 2025120446 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report dated XXX |
| 2025120446 | Qualifying Total Reserves Number of Months | XXX | XXX | File is missing XXX asset account which Lender has included in their assets on the 1003/1008 |
| 2025120446 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120446 | Underwriting Exception in File? | XXX | XXX |  |
| 2025120446 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120010 | Qualifying Total Reserves Number of Months | XXX | XXX | Lender's amount not based on most recent account statements in file. |
| 2025120010 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rouding |
| 2025120010 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2025120010 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2025120004 | Borrower 1 Self-Employment Flag | XXX | XXX | Per 1003 borrower is not self employed |
| 2025120004 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2025120003 | Qualifying Total Reserves Number of Months | XXX | XXX |  |
| 2025120003 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 2025120003 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 2025120422 | Mo. Hazard | XXX | XXX | Using both XXX |
| 2025120388 | Months Reserves | XXX | XXX | XXX,XXX, #XXX $XXX |
| 2025120373 | Cash Out Amount | XXX | XXX | CD dated XXX reflects $XXX |
| 2025120369 | Mo. Tax | XXX | XXX |  |
| 2025120347 | Cash Out Amount | XXX | XXX |  |
| 2025120347 | Months Reserves | XXX | XXX |  |
| 2025120342 | Qualifying FICO | XXX | XXX | only XXX credit score on credit report dated XXX |
| 2025120328 | Mo. Hazard | XXX | XXX |  |
| 2025120308 | DSCR | XXX | XXX |  |
| 2025120308 | Months Reserves | XXX | XXX | Cash-out amount of $XXX |
| 2025120297 | Mo. Tax | XXX | XXX | Propert, City and XXX tax included for a total of $XXX |
| 2025120294 | Months Reserves | XXX | XXX | #XXX reflecting $XXX, taking XXX% of #XXX reflecting $XXX |
| 2025120267 | Property Type | XXX | XXX |  |
| 2025120262 | Gross Rent | XXX | XXX | Using market rent for XXX and XXX |
| 2025120251 | Cash Out Amount | XXX | XXX |  |
| 2025120251 | Months Reserves | XXX | XXX | Cash out amount of $XXX |
| 2025120249 | Qualifying FICO | XXX | XXX |  |
| 2025120249 | Months Reserves | XXX | XXX | #XXX reflects $XXX, #XXX reflects $XXX, #XXX reflects $XXX, #XXX reflects $XXX, Taking XXX% of #XXX reflects $XXX, Taking XXX% of #XXX reflects $XXX, Taking XXX% of #XXX reflects $XXX |
| 2025120248 | Loan Purpose | XXX | XXX | XXX cash to borrower |
| 2025120248 | Gross Rent | XXX | XXX |  |
| 2025120248 | DSCR | XXX | XXX |  |
| 2025120248 | Cash Out Amount | XXX | XXX |  |
| 2025120223 | Gross Rent | XXX | XXX | Using lease amounts off XXX |
| 2025120223 | DSCR | XXX | XXX | Using rents off of XXX |
| 2025120222 | Months Reserves | XXX | XXX |  |
| 2025120221 | Months Reserves | XXX | XXX | taking XXX% of #XXX reflecting $XXX, #XXX reflects $XXX, taking XXX% of #XXX reflecting $XXX |
| 2025120212 | Gross Rent | XXX | XXX |  |
| 2025120212 | DSCR | XXX | XXX |  |
| 2025120212 | Cash Out Amount | XXX | XXX |  |
| 2025120206 | Cash Out Amount | XXX | XXX | Cash out per closing disclosure dated XXX |
| 2025120202 | Qualifying FICO | XXX | XXX |  |
| 2025120202 | Mo. Tax | XXX | XXX | Taxes from XXX and XXX for XXX per tax cert |
| 2025120202 | Cash Out Amount | XXX | XXX | Cash out per closing disclosure dated XXX |
| 2025120202 | Months Reserves | XXX | XXX | Cash out amount of $XXX |
| 2025120198 | DSCR | XXX | XXX | Breakdown: Income $XXX/ PI $XXX, Taxes $XXX, Insurance $XXX, HOA $XXX |
| 2025120198 | Months Reserves | XXX | XXX | Taking XXX% of #XXX fixed income amount, #XXX reflects $XXX, #XXX reflects $XXX removing closing cost amount from property for loan #XXX |
| 2025120197 | Mo. Tax | XXX | XXX | Utilizing taxes from tax certificate in file |
| 2025120196 | Mo. Hazard | XXX | XXX |  |
| 2025120196 | Months Reserves | XXX | XXX | Taking XXX% of #XXX fixed income amount, #XXX reflects $XXX, #XXX reflects $XXX |
| 2025120171 | Months Reserves | XXX | XXX | #XXX reflects $XXX, taking XXX% of #XXX reflecting $XXX |
| 2025120170 | Gross Rent | XXX | XXX | XXX off income statement |
| 2025120169 | Gross Rent | XXX | XXX | XXX off income statement |
| 2025120169 | Months Reserves | XXX | XXX | #XXX reflecting $XXX on XXX |
| 2025120167 | Months Reserves | XXX | XXX |  |
| 2025120159 | Months Reserves | XXX | XXX | #XXX reflects $XXX, proceeds from refinance reflect $XXX |
| 2025120154 | Mo. Tax | XXX | XXX | Taking taxes from title |
| 2025120146 | Qualifying FICO | XXX | XXX | Taking the higherof |
| 2025120146 | Mo. Tax | XXX | XXX |  |
| 2025120128 | Qualifying FICO | XXX | XXX | Taking the higher of |
| 2025120120 | Qualifying FICO | XXX | XXX | Taking the higher of |
| 2025120113 | Gross Rent | XXX | XXX |  |
| 2025120112 | Months Reserves | XXX | XXX | Cash out amount of $XXX |
| 2025120106 | Months Reserves | XXX | XXX | Cash out amount of $XXX |
| 2025120093 | Mo. Hazard | XXX | XXX |  |
| 2025120093 | Mo. Tax | XXX | XXX |  |
| 2025120092 | Months Reserves | XXX | XXX | #XXX reflecting $XXX, #XXX reflecting $XXX, #XXX reflecting $XXX |
| 2025120089 | Mo. Tax | XXX | XXX |  |
| 2025120078 | Months Reserves | XXX | XXX | Taking XXX% of #XXX $XXX |
| 2025120075 | Cash Out Amount | XXX | XXX |  |
| 2025120075 | Months Reserves | XXX | XXX | Cash out amount of $XXX |
| 2025120073 | Months Reserves | XXX | XXX | Utilizing XXX% of XXX Benefits XXX account #XXX |
| 2025120063 | Months Reserves | XXX | XXX | XXX exchange funds: $XXX.XXX + XXX% of XXX XXX Acct#XXX: $XXX |
| 2025120062 | Gross Rent | XXX | XXX | lease rent reflects $XXX. Taking the lower of market rent and lease rent |
| 2025120062 | DSCR | XXX | XXX | Using lease rent. Taking lower of |
| 2025120061 | Gross Rent | XXX | XXX | Using $XXX from 1007 |
| 2025120056 | Months Reserves | XXX | XXX | #XXX on XXX reflects $XXX, #XXX on XXX reflects XXX |
| 2025120052 | Mo. Hazard | XXX | XXX |  |
| 2025120041 | Loan Purpose | XXX | XXX |  |
| 2025120041 | Cash Out Amount | XXX | XXX |  |
| 2025120001 | Months Reserves | XXX | XXX |  |
| 2025120541 | Gross Rent | XXX | XXX | 1007 amount of $XXX |
| 2025120539 | DSCR | XXX | XXX | Matches XXX |
| 2025120539 | Cash Out Amount | XXX | XXX | CD dated XXX reflects $XXX |
| 2025120539 | Months Reserves | XXX | XXX | #XXX reflecting $XXX, #XXX reflecting $XXX |
| 2025120534 | Qualifying FICO | XXX | XXX |  |
| 2025120534 | DSCR | XXX | XXX | Matches XXX |
| 2025120534 | Months Reserves | XXX | XXX | Cash out in the amount of $XXX |
| 2025120527 | Gross Rent | XXX | XXX |  |
| 2025120527 | DSCR | XXX | XXX |  |
| 2025120486 | Months Reserves | XXX | XXX | Matches XXX in file |
| 2025120481 | Gross Rent | XXX | XXX | Using market rent of $XXX |
| 2025120479 | Mo. Hazard | XXX | XXX | XXX reflects XXX |
| 2025120472 | Mo. Tax | XXX | XXX |  |
| 2025120466 | Mo. Tax | XXX | XXX |  |
| 2025120455 | Gross Rent | XXX | XXX |  |
| 2025120455 | DSCR | XXX | XXX |  |
| 2025120418 | Gross Rent | XXX | XXX |  |
| 2025120009 | Cash Out Amount | XXX | XXX |  |
| 2025120009 | Months Reserves | XXX | XXX |  |
| 2025120502 | Mo. Tax | XXX | XXX | Matches CD tax amount dated XXX |
| 2025120337 | Loan Purpose | XXX | XXX | On title |
| 2025120337 | Mo. Hazard | XXX | XXX |  |
| 2025120337 | Cash Out Amount | XXX | XXX |  |
| 2025120038 | Gross Rent | XXX | XXX |  |
| 2025120123 | Gross Rent | XXX | XXX |  |
| 2025120123 | Months Reserves | XXX | XXX | #XXX reflects $XXX, #XXX reflects XXX, XXX% of #XXX &#XXX reflecting $XXX |
| 2025120459 | Mo. Hazard | XXX | XXX |  |
| 2025120459 | DSCR | XXX | XXX |  |
| 2025120459 | Months Reserves | XXX | XXX |  |
| 2025120506 | Months Reserves | XXX | XXX | Taking XXX% of accounts XXX and XXX, #XXX reflecting $XXX , #XXX reflecting $XXX |
| 2025120521 | Months Reserves | XXX | XXX | Only $XXX available for reserves, 1031 funds only used for cash to close |
| 2025120023 | Qualifying FICO | XXX | XXX | Taking the higher |
| 2025120125 | Qualifying FICO | XXX | XXX | Taking the higher |
| 2025120280 | Gross Rent | XXX | XXX |  |
| 2025120280 | DSCR | XXX | XXX |  |
| 2025120005 | Loan Purpose | XXX | XXX |  |
| 2025120273 | Qualifying Total Reserves Number of Months | XXX | XXX | Verified to bank statements |
| 2025120273 | Qualifying Total Debt Income Ratio | XXX | XXX | Difference in liabilities used from XXX report vs original report; difference in property tax amount used |
| 2025120273 | Qualifying Housing Debt Income Ratio | XXX | XXX | Difference in property tax |
| 2025120273 | Qualifying All Borrower Residual Income | XXX | XXX | Verified to total monthly income minus total monthly debt |
| 2025120322 | Borrower 1 Origination Experian | XXX | XXX | broker v lender XXX |
| 2025120322 | Borrower 1 Origination TransUnion | XXX | XXX | broker v lender XXX |
| 2025120322 | Borrower 1 Origination Equifax | XXX | XXX | broker v lender XXX |
| 2025120322 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets: XXX #XXX: no updated statement provided reflecting new balance after the $XXX came out on XXX and transferred to XXX therefore audit using $XXX causing a difference in the amount of reserves. |
| 2025120322 | Qualifying Total Debt Income Ratio | XXX | XXX | XXX and primary housing cost have not been verified. Possible discrepancy here, or between the credit reports. |
| 2025120322 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit using $XXX for primary housing vs. lender $XXX. |
| 2025120322 | Underwriting Exception in File? | XXX | XXX |  |
| 2025120322 | Qualifying All Borrower Residual Income | XXX | XXX | XXX and primary housing cost have not been verified. Possible discrepancy here, or between the credit reports. |
| 2025120435 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded data |
| 2025120244 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit_calculated from diligence and verified income/expenses |
| 2025120244 | Qualifying All Borrower Residual Income | XXX | XXX | Audit_ Residual Incomed Variance_ U/W utilize the debt payments from the origination credit report, minus the accts being paid off at closing and re-verified income. |
| 2025120516 | Application Date | XXX | XXX |  |
| 2025120516 | Cash Disbursement Date | XXX | XXX | Per CD in file. |
| 2025120516 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets are based on the most recent balances from the accts listed on the final 1003. |
| 2025120516 | Qualifying Total Debt Income Ratio | XXX | XXX | Using XXX% of outstanding student loan balances per Guidelines. There is a slight variance in B2's income. Using debt from XXX credit report. |
| 2025120516 | Qualifying Housing Debt Income Ratio | XXX | XXX | Using credit report dated XXX debt, there is a slight variance in B2's income. |
| 2025120516 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income is based on re-caluclated income and debts from the credit report. Using XXX% of outstanding student loan balances. |
| 2025120278 | Qualifying Total Debt Income Ratio | XXX | XXX | Using the debt payments from the origination credit report. |
| 2025120278 | Qualifying All Borrower Residual Income | XXX | XXX | Verified to total income minus total monthly debt |
| 2025120485 | Qualifying Total Reserves Number of Months | XXX | XXX |  |
| 2025120485 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120485 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120311 | Property Zip Code | XXX | XXX | Verified to Note |
| 2025120311 | Qualifying Total Debt Income Ratio | XXX | XXX | Debt captured from origination credit report. |
| 2025120311 | Qualifying All Borrower Residual Income | XXX | XXX | Debt captured from origination credit report. |
| 2025120303 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day reports. |
| 2025120303 | Underwriting Exception in File? | XXX | XXX |  |
| 2025120303 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day reports. |
| 2025120290 | Qualifying Total Debt Income Ratio | XXX | XXX | The updated credit report was not used by audit, in addition to the utility accts, were not included by audit, per instructions from XXX Guide. |
| 2025120290 | Qualifying All Borrower Residual Income | XXX | XXX | The updated credit report was not used by audit, in addition to the utility accts, were not included by audit, per instructions from XXX Guide. |
| 2025120386 | Qualifying Total Reserves Number of Months | XXX | XXX | per assets listed on final 1003. |
| 2025120391 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025120391 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120345 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit using $XXX for property taxes for the borrowers primary residence per the tax bill in file. Lender using $XXX. |
| 2025120345 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit using $XXX for property taxes for the borrowers primary residence per the tax bill in file. Lender using $XXX. |
| 2025120345 | Underwriting Exception in File? | XXX | XXX |  |
| 2025120345 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025120524 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded data |
| 2025120510 | Qualifying Total Debt Income Ratio | XXX | XXX | Using the credit report in the file |
| 2025120510 | Qualifying All Borrower Residual Income | XXX | XXX | Using the credit report in the file |
| 2025120231 | Qualifying Total Reserves Number of Months | XXX | XXX | $XXX advance from credit card not using, not permitted per guidelines - unsecured borrower funds |
| 2025120231 | Qualifying Total Debt Income Ratio | XXX | XXX | Difference due to broker report liabilities vs lender. |
| 2025120231 | Qualifying All Borrower Residual Income | XXX | XXX | Total income minus total debts |
| 2025120271 | Qualifying Total Reserves Number of Months | XXX | XXX | Audit_ • Cash-out proceeds may be used for reserves , therefore XXX assets needed for file, however, for GL required months Subject XXX matrix.. |
| 2025120271 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit_calculated from diligence and verified income/expenses |
| 2025120271 | Qualifying All Borrower Residual Income | XXX | XXX | Audit_ Residual Incomed Variance_ U/W utilize the debt payments from the origination credit report, and re-verified income.<br>|
| 2025120325 | Qualifying Total Reserves Number of Months | XXX | XXX | While the XXX bank statement for account #XXX verifies a balance of $XXX, the file also includes a printout dated XXX showing a balance of $XXX for the same account. This discrepancy results in a shortage of reserves. |
| 2025120325 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit _ calculated from initial unexpired credit report |
| 2025120325 | Qualifying All Borrower Residual Income | XXX | XXX | Audit_ Residual Incomed Variance_ U/W utilize the debt payments from the origination credit report, minus the accts being paid off at closing and re-verified income. |
| 2025120362 | Initial Monthly P&I Or IO Payment | XXX | XXX | Lender is using an incorrect XXX payment for a XXX yr XXX loan |
| 2025120362 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an incorrect XXX payment for a XXX yr XXX loan |
| 2025120362 | Qualifying Housing Debt Income Ratio | XXX | XXX | Lender is using an incorrect XXX payment for a XXX yr XXX loan |
| 2025120362 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an incorrect XXX payment for a XXX yr XXX loan |
| 2025120301 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves are based on the most recent acct balances from the accts listed on the Final 1003. |
| 2025120301 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2025120301 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |

---

## Exhibit 99.22

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.22**

![](ex995001.jpg)

**EXECUTIVE SUMMARY**

**AOMT 2025-12**

**<u>Description of the due diligence performed</u>**

**Overview of the assets that were reviewed**

Incenter Lender Services LLC, c/k/a Incenter Diligence Solutions ("Incenter Diligence"), performed an independent third-party due diligence review of 1 loan acquired by Angel Oak Mortgage Fund EU B LLC (the "Client"). The review was performed in September 2025 using the scope of review described herein, which was agreed to at the time of review. The results of the review performed by Incenter Diligence only reflect information concerning the related loans on which such review was performed as of the date such review was performed based on the scope of review used as of the date such review was performed and not as of any subsequent date. Incenter Diligence has not subsequently performed any review with respect to the loans, and Incenter Diligence will not be required to complete or provide any additional, new, or refreshed review or results with respect to the loans.

**Sampling of assets**

Incenter Diligence follows the nationally recognized statistical rating organizations, NRSRO(s), criteria. For all originators, Incenter Diligence performed review on 100% of the loans. The loan population was 1 loan for an aggregate original principal balance of $360,000.00.

The review was conducted in accordance with the following NRSRO(s) Third Party Due Diligence Criteria:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, February 2, 2021 |

---

**Data integrity, review scope and methodology**

**Data Integrity –** Incenter Diligence performed a data integrity analysis by comparing the information in the loan file against the data tape supplied by the Client to ascertain accuracy and completeness. All discrepancies are reported on the Data Comparison Report.

The data comparison consisted of the following data fields:

---

| |
|:---|
| &nbsp;&nbsp;**Data Compare Field Name** |
| &nbsp;&nbsp;ARM Interest Data |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 2 FTHB |
| &nbsp;&nbsp;Doc Type |

---

Page **1** of **18**

![](ex995001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Original Loan Term |
| &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Originator DSCR |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;QM Designation |
| &nbsp;&nbsp;Qualifying Appraised Value |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total DTI |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Subordinate Lien Amount |
| &nbsp;&nbsp;Underwriting Guideline Name |

---

**Underwriting Conformity (<u>Standard Residential Loans</u>)**

Incenter Diligence performed a complete review of all loan files, as supplied by the Client, to determine whether the loans were originated in accordance with the underwriting guidelines provided by the Client (which, for the avoidance of doubt, may be either the Client's or a third party's underwriting guidelines), eligibility requirements, Ability to Repay (ATR), Qualified Mortgage and Appendix Q requirements (where applicable), and applicable Policies & Procedures, noting any exceptions and compensating factors. The review included, where applicable, the following items:

**Conformance to Ability to Repay (ATR) standards** – Incenter Diligence reviewed each loan to validate that the underwriter correctly assessed the borrower's ability to repay based on employment and credit/repayment history,

Page **2** of **18**

![](ex995001.jpg)

income and assets, projected monthly payment and current obligations, debt to income ratio, and other information provided to support ability to repay prior to originating the loan.

**An evaluation of Qualified Mortgage and Appendix Q requirements, if applicable** – Based on the information provided, Incenter Diligence will review each loan to determine that it satisfies all requirements for a Qualified Mortgage, if designated as such, including an evaluation of points and fees, risk factors associated with the loan terms, re-calculation of debt to income and a review of all income and assets.

**Credit, Income, Assets and Employment**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Validate
 that the appropriate employment and income documentation, such as pay stubs, tax transcripts,
 and bank statements, was provided and used to accurately qualify the borrower according
 to guidelines. Recalculate the borrower's income and debt to determine the appropriate
 debt to income ratio in accordance with the guidelines. Validate borrower's employment
 history and confirm that the appropriate income and assets were used to qualify. Make
 a reasonable assessment of whether there are any indications that income documentation
 may be fraudulent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Validate
 that assets used to qualify the borrower match the documentation in the file and the
 information used to calculate down payment, closing costs, and reserves meet program
 guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Review
 exceptions, compensating factors and underwriter comments, if available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review
 program guidelines against the loan approval for discrepancies such as:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Employment
 requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Income
 requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Asset
 requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Review
 the loan approval against all supporting documentation and loan application to verify
 accuracy.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review
 the initial loan application against the final loan application or other loan applications
 found in the file to validate the application was signed and properly completed and to
 expose discrepancies.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Confirm
 that credit report(s) and verification of mortgage or rental history, when required,
 have been provided for all borrowers/guarantors, are consistent with loan approval, and
 meet guideline requirements. Verify whether any fraud alerts are listed on the credit
 reports and make a reasonable assessment of whether the borrower's profile adheres
 to applicable guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;H. Review
 the loan file for inconsistencies based on information derived from source documentation
 provided in the loan file, for the purposes of identifying misrepresentations contained
 in the loan file, including with respect to occupancy and mortgage liabilities.

**Occupancy, Taxes, Title and Insurance**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review
 source documents for consistency with regard to subject property occupancy intent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Review
 the title report for possible judgments and other liens that may have existed upon origination;
 verify chain of title, as required by guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Verify
 and validate the file contains sufficient property insurance coverage as required by
 guidelines; confirm property insurance policy contains appropriate mortgagee clause.
 For subject properties located in a Special Flood Hazard Area where flood insurance is
 required, verify and validate the file contains sufficient flood insurance coverage as
 required by guidelines and that flood insurance policy contains appropriate mortgagee
 clause.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review
 property details on appraisal including a review for ineligible properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify
 that Business Purpose Affidavit and Occupancy Affidavit, if applicable, were executed
 by the borrowers/guarantors and confirm that document addresses are consistent with subject
 property address and do not match the primary residence address.

**Underwriting Conformity (<u>Business Purpose/DSCR</u>)**

Page **3** of **18**

![](ex995001.jpg)

For each loan, Incenter Diligence validated conformance to Client supplied and program requirements and noted any exceptions. Unless otherwise directed by the Client, no regulatory compliance review was performed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Validate
 Conformance to Product Type and Eligibility

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Financing
 Terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Loan
 Product

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Seasoning

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Geographic
 Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Loan
 Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. LTV/CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Transaction
 Types: Verify Conformance with Business Purpose Loan Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Business
 Purpose Affidavit – verify signed Borrower Statement of Business Purpose is present
 in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Non-Owner
 Occupancy – verify Occupancy certification is present in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Validate
 that there is no information in the loan that contradicts occupancy type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Review
 Debt Service Coverage Ratio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review
 Cash Flow and Expense Factor

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Review
 Hazard/Flood Insurance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review
 preliminary Title Report/Commitment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Credit
 Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Validate
 documentation requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Verify
 acceptable Residency Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Review
 credit reports used to qualify borrower, as well as consumer credit history/charge offs/collections,
 and cite any exceptions or unusual findings

&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. Evaluate
 credit scores and tradelines against 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. Evaluate
 other debt obligations (alimony, child support, etc.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. If
 required, verify that a 3rd party fraud report (DataVerify, etc.) is contained in the
 loan file and review findings to confirm all deficiencies were resolved

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Evaluate
 borrower's mortgage/rental payment history using credit reports or other information
 supplied in the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Verify
 that all judgements/liens/tax liens have been satisfied

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Verify
 that any bankruptcy, foreclosure or forbearance activity is in accordance with guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Perform
 a review of all asset information supplied in the loan file against guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Evaluate
 borrowers' asset utilization and verify sufficient liquid assets to supplement
 income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Perform
 a rental income analysis using the information supplied in the loan file as per the guidelines

**Property Valuation Review (Standard Residential and Business Purpose/DSCR Loans)**

Incenter Diligence reviewed all loans to validate the original appraisal report was provided in the loan file and that it is substantially complete. The evaluation will include the following components:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review
 the original appraisal report to ensure the valuation was performed by a licensed appraiser
 and in accordance with guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Verify
 subject property type meets applicable guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Note
 any exceptions to stated value or appraisal guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Verify
 value used to calculate LTV/CLTV and note any deviations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify
 that the loan and property data within the appraisal report matches the loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review
 the appraisal report to ensure report value is "as is" or, if report is "subject
 to", that there is an associated completion report resolving all noted issues,
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Review
 additional valuation products in the file; if there is a variance greater than 10% below
 the appraisal value, Client will be notified and an additional independent valuation
 product will be obtained as requested.

Page **4** of **18**

![](ex995001.jpg)

**Regulatory Compliance Review (Standard Residential Loans Only, Unless Otherwise Requested)**

Incenter Diligence's Regulatory Compliance analysis is intended to expose certain potential risk associated with the loans examined. It is strictly limited to the review scope outlined below and is based solely on the accuracy of the documentation and data supplied by the Client or other agreed upon third parties. The review findings are not guaranteed to encompass all critical elements related to the underwriting, origination or regulatory compliance status of the loans examined. Further, the findings are not to be construed as guidance on future indicators of positive or negative performance.

Incenter Diligence will perform a review of all loans supplied by the Client to verify all documentation provided is complete and complies with all applicable federal and state regulatory requirements, in addition to following the RMBS 4.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (now the Structured Finance Association or "SFA") (the "SFIG Compliance Review Scope"), as amended from time to time, and the advice of outside counsel. As it relates to TILA-RESPA Integrated Disclosures ("TRID") testing, Incenter Diligence works with outside counsel on an ongoing basis to understand and interpret compliance regulations based on recent guidance by the Consumer Financial Protection Bureau (the "CFPB") that has created deviations in the TRID review scope and related exceptions/cures. The TRID-related review scope, outlined below and not performed for investment properties, will continue to be amended where appropriate as future guidance and rules are published. Incenter Diligence's conclusions are representative of best efforts to identify material risks and exceptions associated with each loan based on interpretation of the continually evolving regulations. Incenter Diligence maintains an active dialogue with outside counsel, Clients, Rating Agencies, SFA and other parties when interpreting compliance regulations and amending the review scope to accurately expose the risk associated with a loan. However, no guaranties can be made that the Review includes all areas of risk that may be present in the Transaction. In addition to the foregoing, Incenter Diligence utilizes nationally recognized integrated compliance analyzer tools.

Incenter Diligence does not employ personnel who are licensed to practice law in the various jurisdictions and the findings set forth in the reports prepared by Incenter Diligence do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Incenter Diligence. All final decisions as to whether to purchase or enter into a transaction related to any individual loan or the loans in the aggregate and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such loan or loans, shall be made solely by the clients that have engaged Incenter Diligence to prepare their reports pursuant to their instructions and guidelines. Client acknowledges and agrees that the scoring models applied by Incenter Diligence are designed to identify potential risk and the Client assumes sole responsibility for determining the suitability of the information for its particular use.

Incenter Diligence reviews each loan to validate compliance with the following federal and state regulatory requirements, whenever applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**A.** **Truth In Lending Act - 12 CFR §1026 ("TILA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal
 TILA

&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. Finance
 Charge Test (12 CFR §1026.18(d)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&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. It
 is understated by no more than $100; or

&nbsp;&nbsp;&nbsp;&nbsp;&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. It
 is greater than the amount required to be disclosed

&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. Rescission
 Finance Charge Test (12 CFR §1026.23(h)(2)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&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. It
 is understated by no more than $35; or

&nbsp;&nbsp;&nbsp;&nbsp;&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. It
 is greater than the amount required to be disclosed

&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. Rescission
 Total of Payments Test ((12 CFR §1026.23(h)(2)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&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. Is
 understated by no more than $35; or

&nbsp;&nbsp;&nbsp;&nbsp;&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. Is
 greater than the amount required to be disclosed

&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. Foreclosure
 Rescission Finance Charge and Total of Payments Tests (12 CFR §1026.23(h))

Page **5** of **18**

![](ex995001.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;e. APR
 Test 12 CFR (§1026.22(a)(2), (4))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 disclosed annual percentage rate (APR) is considered accurate because it is not more
 than 1/8 of 1 percentage (for regular transactions) or 1/4 of 1 percentage (for irregular
 transactions) point above or below the APR as determined in accordance with the actuarial
 method; or

&nbsp;&nbsp;&nbsp;&nbsp;&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. The
 disclosed APR results from the disclosed finance charge, and the disclosed finance charge
 is considered accurate under §1026.18(d)(1) (the finance charge test), or for purposes
 of rescission the disclosed finance charge is considered accurate under §1026.23(g)
 or (h) (the rescission finance charge test or the foreclosure rescission finance charge
 test), whichever applies

&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. Right
 of Rescission Test (12 CFR §1026.23(a)(3), §1026.15(a)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 funding date is not before the third business day following consummation

&nbsp;&nbsp;&nbsp;&nbsp;&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. The
 consumer may exercise the right to rescind until midnight of the third business day following
 consummation

&nbsp;&nbsp;&nbsp;&nbsp;&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. Validate
 Right of Rescission Notice was provided, and the correct form was used

&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. Dual
 Broker Compensation Test (12 CFR §1026.36(d)(2))

&nbsp;&nbsp;&nbsp;&nbsp;&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. If
 any loan originator receives compensation directly from a consumer in a consumer credit
 transaction secured by a dwelling, no loan originator shall receive compensation, directly
 or indirectly, from any other person other than the consumer in connection with the transaction
 for loan origination activities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Loan
 Originator Credits Test (12 C.F.R. §1026.36(d)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&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. Test
 that the initial disclosure (GFE/TIL/LE) does not contain any broker fees paid by the
 broker

&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. Financing
 of Single Premium Credit Insurance Test (12 CFR §1026.36 (i))

&nbsp;&nbsp;&nbsp;&nbsp;&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. A
 creditor may not finance, directly or indirectly, any premiums or fees for credit insurance
 in connection with a consumer credit transaction secured by a dwelling (including a home
 equity line of credit secured by the consumer's principal dwelling)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. TIL
 Disclosure (Pre-TRID)

&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. TIL
 Disclosure Date Test (12 CFR §1026.17(b),1026.19(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 loan is a mortgage transaction subject to the Real Estate Settlement Procedures Act (12
 U.S.C. §2601 et seq.) that is secured by the consumer's dwelling; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 initial TIL disclosure date is not later than the third business day (counting days on
 which the creditor's offices are open to the public for carrying on substantially
 all of its business functions) after the creditor receives the consumer's written
 application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. The
 initial TIL disclosure date is not later than the seventh business day (counting all
 calendar days except Sunday and specified legal public holidays) before consummation
 of the transaction, or the application date of the loan is before July 30, 2009; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. The
 loan is a "residential mortgage transaction" subject to the Real Estate Settlement
 Procedures Act (12 U.S.C. §2601 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. The
 initial TIL disclosure date is before consummation or three business days after the creditor
 receives the consumer's written application, whichever is earlier; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Test
 the final TIL disclosure and any re-disclosed TIL(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The
 final TIL disclosure is properly executed; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. The
 final TIL disclosure and any re-disclosed TIL(s) is properly completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. TILA
 RESPA Integrated Disclosures (TRID)

&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. Initial
 Loan Estimate Delivery Date Test (from application) (12 CFR §1026.19(e)(1)(iii)(A))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i)
 (provision of loan estimate form) not later than the third business day after the creditor
 receives the consumer's application

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Initial
 Loan Estimate Delivery Date Test (prior to consummation) (12 CFR §1026.19(e)(1)(iii)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(e)(1)(i)
 (provision of loan estimate form) not later than the seventh business day before consummation
 of the transaction

&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. Loan
 Estimate (12 CFR §1026.19 and 37)

&nbsp;&nbsp;&nbsp;&nbsp;&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. Verify
 applicable sections of the disclosure determined to carry assignee liability were accurately
 completed

&nbsp;&nbsp;&nbsp;&nbsp;&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. Verify
 final Loan Estimate was provided to borrower prior to the Closing 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;d. Written
 List of Service Providers (SSPL) Disclosure Date Test (12 CFR §1026.19(e)(1)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&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. If
 the consumer is permitted to shop for a settlement service, the creditor shall provide
 the consumer with a written list identifying available providers of that settlement service
 and stating that the consumer may choose a different provider for that service. The creditor
 must identify at least one available provider for each settlement service for which the
 consumer is permitted to shop. The creditor shall provide this written list of settlement
 service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i)
 but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii)

&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. Revised
 Loan Estimate Delivery Date Test (prior to consummation) (12 CFR §1026.19(e)(4)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 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 under §1026.19(e)(1)(i) is not provided to the consumer in
 person, the consumer is considered to have received such version three business days
 after the creditor delivers or places such version in the mail

&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. Valid
 Change of Circumstances Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 changed circumstance(s) form was provided and the reason for re-disclosure is:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Changed
 circumstance affecting settlement charges; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Changed
 circumstance affecting eligibility; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Revisions
 requested by the consumer; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Expiration
 of initial loan estimate; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Delayed
 settlement date on a construction loan for new construction transactions only; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. The
 date the rate was set was not provided and interest rate dependent charges change once
 the interest rate is locked; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. The
 reason for re-disclosure is "Decrease in charges affecting settlement or eligibility,
 a consumer-requested revision, or other non-tolerance-related re-disclosure;" or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. The
 initial loan estimate was not delivered timely

&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. Initial
 Closing Disclosure Delivery Date Test (12 CFR §1026.19(f)(1)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 creditor shall ensure that the consumer receives the disclosures required under paragraph
 §1026.19(f)(1)(i) no later than three business days before consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Closing
 Disclosure Test (12 CFR §1026.19 and 38)

&nbsp;&nbsp;&nbsp;&nbsp;&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. Verify
 applicable sections of the disclosure determined to carry assignee liability were accurately
 completed

&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. Revised
 Closing Disclosure Delivery Date Test (waiting period vs. no waiting period required)
 (12 CFR §1026.19(f)(2)(i) & (ii))

&nbsp;&nbsp;&nbsp;&nbsp;&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. If
 the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation,
 the creditor shall provide corrected disclosures reflecting any changed terms to the
 consumer so that the consumer receives the corrected disclosures at or before consummation

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If
 the consumer determines that the extension of credit is needed to meet a bona fide personal
 financial emergency, the consumer may modify or waive the three-business-day waiting
 period for the revised closing disclosure after receiving the disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. TRID
 Tolerance Testing - Charges That Cannot Increase Test (12 CFR §1026.19(e)(3)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&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. 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)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. TRID
 Tolerance Testing - Charges That in Total Cannot Increase More Than 10% Test (12 CFR
 §1026.19(e)(3)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. TRID
 Tolerance Testing - Lender Credits That Cannot Decrease Test (12 CFR §1026.19(e)(3)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&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. 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)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. TRID
 Reimbursement Amount Test (12 CFR §1026.19(f)(2)(v))

&nbsp;&nbsp;&nbsp;&nbsp;&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. Refunds
 related to the good faith analysis. If amounts paid by the consumer exceed the amounts
 specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i)
 if the creditor refunds the excess to the consumer no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n. TRID
 Reimbursement Date Test (12 CFR §1026.19(f)(2)(v))

&nbsp;&nbsp;&nbsp;&nbsp;&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. Refunds
 related to the good faith analysis. If amounts paid by the consumer exceed the amounts
 specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i)
 if the creditor refunds the excess to the consumer no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o. Disclosure
 of Escrow Account (§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&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. If
 the loan indicates an escrow account will be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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
 all amounts disclosed in the Projected Payments Table are accurate (§1026.38(c);
 §1026.37(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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
 all amounts disclosed in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate
 (§1026.37(c)(4),(5))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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
 all amounts disclosed in Section G – Initial Escrow Payment and Closing are accurate
 (§1026.37(g)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Verify
 all amounts disclosed in the Escrow Account Section are accurate (§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If
 the loan indicates an escrow account will not be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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
 all amounts disclosed in the Projected Payments Table are accurate (§1026.38(c);
 (§1026.37(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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
 all amounts disclosed in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate
 (§1026.37(c)(4), (5))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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
 all amounts disclosed in the Escrow Account Section are accurate (§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p. Disclosure
 of Seller Paid Closing Costs (§1026.38(t)(5)(v)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&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. In
 transactions involving a seller, validate whether the lender disclosed all costs being
 paid by the seller on the borrowers Closing 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;ii. If
 seller paid fees are present on the borrower's Closing Disclosure, review the seller's
 Closing Disclosure or alternative documentation for accuracy of 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;q. Post-consummation
 Event and Revised Closing Disclosure Delivery Date Test

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 post-consummation revised closing disclosure delivery date is not more than 60 calendar
 days after the consummation date, or closing / settlement date if no consummation date
 was provided; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 provided reimbursement date is not more than 60 calendar days after the consummation
 date, or closing / settlement date if no consummation date was provided

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;r. Non-numeric
 Clerical Error and Post-consummation Revised Closing Disclosure Delivery Date Test (12
 CFR §1026.19(f)(2)(iv))

&nbsp;&nbsp;&nbsp;&nbsp;&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. A
 creditor does not violate §1026.19(f)(1)(i) if the disclosures provided under §1026.19(f)(1)(i)
 contain non-numeric clerical errors, provided the creditor delivers or places in the
 mail corrected disclosures no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;s. Loan
 Calculation Test on the Closing Disclosure (12 CFR §1026.38))

&nbsp;&nbsp;&nbsp;&nbsp;&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. Finance
 Charge

&nbsp;&nbsp;&nbsp;&nbsp;&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. Amount
 Financed

&nbsp;&nbsp;&nbsp;&nbsp;&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. Total
 of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&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. Total
 Interest Percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Qualified
 Mortgage / Ability To Repay – Dodd Frank

&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. Classification
 of QM designated loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Validate
 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

&nbsp;&nbsp;&nbsp;&nbsp;&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. Determination
 of conformity thresholds (Safe Harbor or Rebuttable Presumption)

&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. Negative
 Amortization Loan (12 CFR 1026.43(e)(2)(i)(A))

&nbsp;&nbsp;&nbsp;&nbsp;&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. Verify
 that a qualified mortgage is a covered transaction that provides for regular periodic
 payments that are substantially equal and any interest rate change after consummation,
 along with the corresponding payment, does not result in an increase of the principal
 balance

&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. Interest
 Only Loan (12 CFR 1026.43(e)(2)(i)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&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. Verify
 that no qualified mortgage loan allows the consumer to defer repayment of principal

&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. Balloon
 Payment Loan (12 CFR 1026.43(e)(2)(i)(C))

&nbsp;&nbsp;&nbsp;&nbsp;&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. Verify
 that no qualified mortgage results in a ballon payment

&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. Loan
 Term (12 CFR 1026.43(e)(2)(iii))

&nbsp;&nbsp;&nbsp;&nbsp;&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. A
 qualified mortgage is a covered transaction for which the loan term does not exceed 30
 years

&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. Points
 and Fees (12 CFR §1026.43(e)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&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. Points
 and fees do not exceed the qualified mortgage points and fees threshold

&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. DTI
 (12 CFR §1026.43(e)(2)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 ratio of the consumer's total monthly debt to total monthly income at the time
 of consummation does not exceed 43 percent, calculated in accordance with Appendix 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;&nbsp;&nbsp;&nbsp;&nbsp;ii. For
 Fannie Mae and Freddie Mac, however, the revised QM rules become mandatory on July 1,
 2021, meaning that the QM Patch effectively terminates on July 1, 2021—and that
 all loans sold to Fannie and Freddie must comply with the revised QM rules, effective
 July 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&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. For
 creditors not selling loans to Fannie Mae and/or Freddie Mac, loans underwritten from
 March 1, 2021 until October 1, 2022 will continue to apply the legacy QM rules; however,
 commencing July 1, 2021, legacy QM loans must be underwritten to Appendix Q and NOT to
 the QM Patch.

<br> Stated another way, since the FHFA terminated the QM Patch, loans underwritten to the QM Patch after July 1 are no longer eligible for sale to the GSEs, and in effect, the QM Patch disappeared after that date, notwithstanding the CFPB's intent for it to continue until October

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1, 2022. Hence, for non-agency loans, underwritten between July 1, 2021 and October 1, 2022, legacy QM loans must be underwritten in accordance with Appendix 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;&nbsp;&nbsp;&nbsp;&nbsp;iv. Client
 is required to advise regarding which application of QM/DTI or QM/APR rule for loans
 with application dates between 03/01/2021 and 10/01/2022 for the proper evaluation of
 QM.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Loans
 underwritten after 10/1/2022 will be reviewed following the revised QM (QM 2.0) rules,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. APR
 (12 CFR §1026.43(e)(2)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 loan APR is not to exceed the APOR plus percentage threshold, calculated according to
 12 CFR §1026.43(e)(2)(vi). With a QM/APR optional test period for loans with application
 dates between 03/01/2021 and 10/01/2022 and mandatory compliance and testing for loans
 after 10/01/2022.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The
 APR on the loan does not exceed the threshold for the loan amount:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. For
 a first-lien loan with a loan amount greater than or equal to $110,260 (indexed for inflation),
 2.25 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. For
 a first-lien loan with a loan amount greater than or equal to $66,156 (indexed for inflation),
 but less than $110,260 (indexed for inflation), 3.5 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. For
 a first lien loan with a loan amount less than $66,156 (indexed for inflation), 6.5 or
 more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. For
 a subordinate-lien loan with a loan amount great than or equal to $66,156 (indexed for
 inflation), 3.5 or more percentage points; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For
 a subordinate-lien loan with a loan amount less than $66,156 (indexed for inflation),
 6.5 or more percentage points.

&nbsp;&nbsp;&nbsp;&nbsp;&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. Revised
 QM (QM 2.0)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. QM/DTI
 test will cease as of application dates on or after 10/01/2022

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. In
 addition to the Generally Applicable Factors above, all Revised QM loans must meet the
 following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Monthly
 Payment. The amount of the monthly payment on the loan is calculated using the maximum
 rate that may apply during the first five years and considers the monthly payment for
 simultaneous loans and mortgage obligations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Consider
 and Verify. The creditor considers and verifies the consumer's current or expected
 income and assets and debt and his DTI or residual 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;e. As
 part of the "consider" requirement, Incenter Diligence will review the (i)
 creditor's policies and procedures provided by Client, as well as any exceptions
 thereto, for how the creditor takes into account the underwriting factors enumerated
 above, and (ii) the documentation retained by creditor, such as an underwriting worksheet
 or a final automated underwriting system certification, showing how the creditor took
 these factors into account in its ability-to-repay determination.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Consider
 and Verify Safe Harbor (VSH). Creditor is deemed to have complied with this "verify"
 requirement if it complies with the verification standards in one or more of these following
 agency manuals:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Chapters
 B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020
 including all subsequent updates; Sections 5102 through 5500 of the Freddie Mac Single-Family
 Seller/Servicer Guide, published June 10, 2020 including all subsequent updates;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. For
 purposes of compliance with VSH, a creditor must comply with only those provisions in
 the manuals that require creditors to verify income, assets, debt obligations, alimony
 and child support using specified documents or to classify and count particular inflows,
 property, and obligations as income, assets, debt obligations, alimony, and child support.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. Revised
 versions of manuals. A creditor also complies with the verification safe harbor where
 it complies with revised versions of the manuals listed above provided that the two versions
 are "substantially similar".

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n. The
 QM 2.0 Rule permits the creditor to "mix and match" verification standards
 from different agency manuals. Incenter Diligence will test the creditor's "verification"
 of third- party records in instances when the creditor either uses (i) its own procedures
 or alternatively, (ii) the verification standards of one or more of the agency handbooks
 listed above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o. Note:
 the Client must provide written policies and procedures and related documentation such
 as underwriter worksheets in order for Incenter Diligence to review loans under the QM
 2.0 Rules, and in particular, with regard to the "consider" and "verify"
 requirements. Further, if the Client intends to use the VSH, its written policies and
 procedures must specify the precise agency handbook(s) that it is relying on with specific
 references to the particular provisions addressing income, assets, debt obligations,
 alimony and child support using specified documents or to classify and count particular
 inflows, property, and obligations as income, assets, debt obligations, alimony, and
 child support—as well as the specific date(s) of the agency handbook(s) issuance,
 publication or revision. In addition, Incenter Diligence is not responsible for determining
 whether revised versions of the manuals listed above are "substantially similar"
 for purposes of the VSH; such a determination of the sole responsibility of the Client.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p. Note:
 due to the inherent subjectivity of the foregoing "consider" and "verify"
 requirements, Incenter Diligence will review the Client's: (i) policies and procedures
 and worksheets and (ii) methods and criteria for verification of income and assets (regardless
 of whether the "safe harbor" is utilized) for content only, and will not
 opine whether such policies and procedures, worksheets and verification methods and criteria
 themselves comply with applicable law, and cannot guarantee that a court, governmental
 regulator, rating agency or another third party diligence provider would reach the same
 conclusions using such work product.

&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. Prepayment
 Penalty (12 CFR 1026.43(g))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. A
 covered transaction must not include a prepayment penalty unless:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 prepayment penalty is otherwise permitted by law; and the transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Has
 an annual percentage rate that cannot increase after consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Is
 a qualified mortgage under paragraph (e)(2), (e)(4), or (f) of this section; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Is
 not a Higher Priced Mortgage Loan, as defined in § 1026.35(a)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Home
 Ownership and Equity Protection Act – HOEPA (Sections 32)

&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. Federal
 HOEPA coverage (12 CFR §1026.32(a)(1)(i), (ii))

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Tests
 that the loan is/is not secured by the consumer's principal dwelling; or

&nbsp;&nbsp;&nbsp;&nbsp;&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. Tests
 that the loan is/ is not an open-end credit plan; or

&nbsp;&nbsp;&nbsp;&nbsp;&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. That
 the application date of the loan occurs before/after the effective date of October 1,
 1995; or

&nbsp;&nbsp;&nbsp;&nbsp;&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. That
 the date the creditor received application occurs on or after January 10, 2014, the effective
 date of the High-Cost Mortgage amendments

&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. High-Cost
 Mortgage APR threshold test (12 CFR §1026.32(a)(1)(i)(A), (C))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 loan is secured by a first-lien transaction, and the annual percentage rate (APR) does
 not exceed the Average Prime Offer Rate by more than 6.5%; or

&nbsp;&nbsp;&nbsp;&nbsp;&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. The
 loan is a subordinate-lien transaction, and the annual percentage rate (APR), does not
 exceed the Average Prime Offer Rate by more than 8.5%

&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. High-Cost
 Mortgage Points and Fees Threshold Test (12 CFR §1026.32(a)(1)(ii)(A), (B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 total points and fees do not exceed allowable limits per the given loan amount

&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. High-Cost
 Mortgage Prepayment Penalty Threshold Test (12 CFR §1026.32(a)(1)(iii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 loan contract or open-end credit agreement does not allow the creditor to charge:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. A
 prepayment penalty more than 36 months after consummation or account opening; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Prepayment
 penalties that can exceed, in total, more than 2 percent of the amount prepaid

&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. High-Cost
 Mortgage (12 CFR §1026.32(a)(1))

&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. High-Cost
 Mortgage Repayment Ability Test (12 CFR §1026.34(a)(4), 1026.43)

&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. Other
 high-costs tests pursuant to (12 CFR §1026.32(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&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. Timing
 of disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&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. Balloon
 payment

&nbsp;&nbsp;&nbsp;&nbsp;&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. Negative
 amortization

&nbsp;&nbsp;&nbsp;&nbsp;&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. Prepayment
 penalty

&nbsp;&nbsp;&nbsp;&nbsp;&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. Pre-loan
 counseling

&nbsp;&nbsp;&nbsp;&nbsp;&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. Late
 charges

&nbsp;&nbsp;&nbsp;&nbsp;&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. Grace
 period

&nbsp;&nbsp;&nbsp;&nbsp;&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. Financing
 of points and fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Higher
 Priced Mortgage Loan – HMPL (12 CFR §1026.35)

&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. Higher
 Priced Mortgage Loan tests (12 CFR §1026.35(a))

&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. Higher
 Priced Mortgage Loan required escrow account test (12 CFR §1026.35(b))

&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. Higher
 Priced Mortgage Loan required appraisal test (12 CFR §1026.35(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Prohibited
 Acts – Brokers Comp

&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. Broker
 Compensation Test (12 CFR §1026.36(d)(2)

&nbsp;&nbsp;&nbsp;&nbsp;&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. If
 any loan originator receives compensation directly from a consumer in a consumer credit
 transaction secured by a dwelling:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. No
 loan originator shall receive compensation, directly or indirectly, from any person other
 than the consumer in connection with the transaction; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. No
 person who knows or has reason to know of the consumer-paid compensation to the loan
 originator (other than the consumer) shall pay any compensation to a loan originator,
 directly or indirectly, in connection with the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Nationwide
 Mortgage Licensing System (NMLS) Tests (12 CFR §1026.36)

&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
 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

&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
 the data against the NMLSR database, as available

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**B.** **Real Estate Settlement Procedures Act – 12 CFR §1024 ("RESPA")** 

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal
 RESPA

&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. Homeownership
 Counseling Organizations Disclosure Date Test (12 CFR §1024.20(a))

&nbsp;&nbsp;&nbsp;&nbsp;&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. Not
 later than three business days after a lender, mortgage broker, or dealer receives an
 application, or information sufficient to complete an application, the lender must provide
 the loan applicant with a clear and conspicuous written list of homeownership counseling
 organizations that provide relevant counseling services in the loan applicant's
 location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 list of homeownership counseling organizations distributed to each loan applicant under
 this section shall be obtained no earlier than 30 days prior to the time when the list
 is provided to the loan applicant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Good
 Faith Estimate Disclosure Test (12 CFR §1024.7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Not
 later than 3 business days after a loan originator (broker or lender) receives an application
 for a federally related mortgage loan, or information sufficient to complete an application,
 the loan originator must provide the applicant with a GFE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Good
 Faith Estimate Disallowed Credit and Charge test (GFE Block 2)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Looks
 for any amounts entered for both a loan discount fee and a yield spread premium or a
 lender credit

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Only
 one charge or one credit affecting the interest rate is allowed under the new RESPA regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**C.** **Equal Credit Opportunity Act – 12 CFR §1002 ("ECOA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. ECOA
 Valuation Rule (12 CFR §1002.14(a)(1))

&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
 all applicable loans for the Disclosure of Right to Receive a Copy of Appraisals. Validate
 if the customer(s) waived their right to receive copies of their appraisals three business
 days prior to consummation/account opening

&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. Review
 all applicable loans for proof that lender delivered copies of appraisals and other written
 valuations three business days before consummation (closed-end), or account opening (open-end)

&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
 the customer(s) waived their right to receive copies of their appraisals three business
 days prior to consummation/account opening, review the Post-Closing submission for an
 Acknowledgment of Receipt of Appraisal Report, or other proof that the lender provided
 the copies either at, or prior to, consummation or account opening

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**D.** **State Specific tests (varies by state and applicability, but at a minimum includes);** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Consumer
 / Home Loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. High-cost
 tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Higher
 Priced Mortgage Loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. APR
 threshold tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Points
 and fees threshold tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Covered
 loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Negative
 Amortization tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Prepayment
 tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Texas
 Home Equity Loans

Page **13** of **18**

![](ex995001.jpg)

**Document Review**

Incenter Diligence reviewed all mortgage loan files supplied and verified that the following documents, if applicable, were included in the file and that the data on the documents was consistent:

● Initial Application (1003)

● Final Application (1003)

● Loan Approval (1008)

● HUD1 from Sale of Previous Residence

● Loan Estimates and Closing Disclosures

● Sales Contract

● Mortgage/Deed of Trust

● Note

● Guaranty Agreement

● Occupancy Affidavit

● Lease Agreements

● Business Purpose Affidavit

● Junior Lien Information

● Subordination Agreement

● Income Documentation

● Employment Documentation

● Asset Documentation

● Credit Reports

● 4506T/Tax Documentation

● Change of Circumstance Documentation

● Disclosures: Right of Rescission, Net Tangible Benefit and FACTA

● Appraisal Valuation Reports

● Title/Preliminary Title

● Flood and Hazard Insurance Policies

● Flood Certificates

**Other review and methodology**

Not applicable.

Page **14** of **18**

![](ex995001.jpg)

**<u>Summary of findings and conclusions of review</u>**

Below provides the summary of the review findings:

**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;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

**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;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

**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;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

**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;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

Page **15** of **18**

![](ex995001.jpg)

**Exception Summary**

Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property.

\* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Credit Exception Categories** | &nbsp;&nbsp;**Exception Count** | &nbsp;&nbsp;**Credit** <br> **Grade A**  | &nbsp;&nbsp;**Credit** <br>**Grade B**  | &nbsp;&nbsp;**Credit** <br>**Grade C**<br>| &nbsp;&nbsp;**Credit** <br>**Grade D \***  |
| &nbsp;&nbsp;Assets | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Borrower | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Closing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Debt | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Eligibility | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Income/Employment | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Insurance | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;QM-ATR | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Title | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Exception Categories** | &nbsp;&nbsp;**Exception Count** | &nbsp;&nbsp;**Compliance Grade A** | &nbsp;&nbsp;**Compliance Grade B** | &nbsp;&nbsp;**Compliance Grade C** | &nbsp;&nbsp;**Compliance Grade D \*** |
| &nbsp;&nbsp;Ability to Repay | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Closing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Disclosure | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Documentation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Fees | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Points & Fees | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;QM-ATR | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Right to Rescind | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State Reg | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;TRID | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

Page **16** of **18**

![](ex995001.jpg)

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Exception Categories** | &nbsp;&nbsp;**Exception Count** | &nbsp;&nbsp;**Property** <br> **Grade A**<br>| &nbsp;&nbsp;**Property**<br> **Grade B**  | &nbsp;&nbsp;**Property** <br> **Grade C**  | &nbsp;&nbsp;**Property Grade D \*** |
| &nbsp;&nbsp;Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Property Issue | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

**Data Integrity Summary**

The table below provides a summary of the data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Compare Field Name** | &nbsp;&nbsp;**# of Discrepancies** | &nbsp;&nbsp;**% of Accuracy** |
| &nbsp;&nbsp;ARM Interest Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Loan Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |

---

Page **17** of **18**

![](ex995001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Originator DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;QM Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total DTI | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Subordinate Lien Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**91.89%** |

---

Page **18** of **18**

## Exhibit 99.23

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.23**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: | XXX | XXX | Report Date: | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Name: | XXX | XXX | Report: | Exception Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Deal Name: | XXX | XXX | Loans in report: | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Overall Initial Loan Grade** | **Overall Final Loan Grade** | **Credit Initial Loan Grade** | **Credit Current/Final Loan Grade** | **Compliance Initial Loan Grade** | **Compliance Current/Final Loan Grade** | **Property Initial Loan Grade** | **Property Current/Final Loan Grade** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Initial Finding Grade** | **Current/Final Finding Grade** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** |
| XXX | 2025120556 |  | XXX | D | A | D | A | A | A | A | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower XXX Executed XXX Missing | Resolved-Received executed XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Borrower XXX Executed XXX Missing Per guidelines, an executed XXX form is required for all loans where wage or self-employed income is used for qualification; however, this document is missing from the loan file. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Received executed XXX. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is XXX months<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of XXX<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines XXX% |  | XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A |

---

## Exhibit 99.24

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.24**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: | XXX | XXX | Report Date: | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Name: | XXX | XXX | Report: | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Deal Name: | XXX | XXX | Loans in report: | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  | **INITIAL CREDIT GRADES** | **INITIAL CREDIT GRADES** | **INITIAL CREDIT GRADES** | **INITIAL CREDIT GRADES** | **INITIAL CREDIT GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT GRADES** | **FINAL CREDIT GRADES** | **FINAL CREDIT GRADES** | **FINAL CREDIT GRADES** | **FINAL CREDIT GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** |
| XXX | 2025120556 |  | XXX | XXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.25

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.25**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: | XXX | XXX | Report Date: | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Name: | XXX | XXX | Report: | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Deal Name: | XXX | XXX | Loans in report: | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Incenter Loan ID** | **Client 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 Appraisal Company** | **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** |
| XXX | 2025120556 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0% | Collateral Underwriter (CU) |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 | XXX |

---

## Exhibit 99.26

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.26**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: | XXX | XXX | Report Date: | XXX |  |  |  |  |
| Client Name: | XXX | XXX | Report: | XXX |  |  |  |  |
| Deal Name: | XXX | XXX | Loans in report: | XXX |  |  |  |  |
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **System Source** | **Reviewer Data** | **Tape Data** |
| XXX | 2025120556 |  | XXX | XXX | Initial Monthly P&I Or XXX Payment | notePage | XXX | XXX |
| XXX | 2025120556 |  | XXX | XXX | Occupancy | the1003Page | XXX | XXX |
| XXX | 2025120556 |  | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |

---

## Exhibit 99.27

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.27**

![](ex996001.jpg)

![](ex996002.jpg)

**EXECUTIVE SUMMARY**

**AOMT 2025-12**

**November 7, 2025**

**INFINITY INTERNATIONAL PROCESSING SERVICES, INC.**

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**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| Infinity Biography | 2.0 |
| Description of the due diligence performed | 3.0 |
| Summary of findings and conclusions of review | 9.0 |
| Tape Integrity Review Results Summary | 10.0 |
| Additional Loan Population Summary | 10.0 |

---

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**INFINITY BIOGRAPHY**

Infinity IPS, Inc. is a privately held firm offering trusted financial products and services to capital markets participants. Founded in 2003, by a group of experienced mortgage due diligence executives, Infinity was started with a simple mission: To provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service. As a third-party reviewer, our independence, integrity, depth of expertise, and approach to due diligence and credit risk management provides clients the highest degree of hands-on oversight and participation when buying or selling pools, securitizing loans, or managing loans and securitizations over time.

Our rigorous, high touch approach to due diligence reviews provides all data necessary in the provision of an asset due diligence, risk retention, loss mitigation and forensic analysis services for all classes or mortgage products, consumer lending products, and more. Our mission is to provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service.

As a rating agency reviewed third-party due diligence provider, Infinity prides itself on meeting the standards of S&P, Fitch, Kroll, Moody's and DBRS Morningstar. Infinity is a privately-owned business and is headquartered in Rockville, MD with an underwriting facility in Tampa, FL.

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**DESCRIPTION OF THE DUE DILIGENCE PERFORMED**

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

Infinity IPS, Inc. ("Infinity") performed due diligence services as described below (the "Review"). All of these mortgage loans, which were originated by multiple parties, were purchased by Angel Oak Mortgage Fund EU B LLC ("Client") and were reviewed by Infinity on behalf of the Client. The mortgage loans were reviewed via files imaged and provided by the Client.

The Review population is comprised of four (4) mortgage loans that were originally reviewed from September 2025 to October 2025.

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

The mortgage loan review was broken down into the following review scopes:

&nbsp;&nbsp;&nbsp;&nbsp;■ "Compliance
 Review" 0<sup>1
</sup>Mortgage Loan

■ "Credit
 Review" 4
 Mortgage Loans

■ "Property
 Review" 4
 Mortgage Loans

■ "Data
 Integrity" 4
 Mortgage Loans

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

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

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

For four (4) mortgage loans, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Last Name | &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;Sale Price |
| &nbsp;&nbsp;First Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;IO Term | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Original Rate | &nbsp;&nbsp;PP Terms | &nbsp;&nbsp;CLTV |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;PP Months | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Address | &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;Current P&I |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Margin | &nbsp;&nbsp;First Payment Change Date | &nbsp;&nbsp;Rate Index |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1st Rate Change Date | &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;Prepay Months | &nbsp;&nbsp;Reset Frequency | &nbsp;&nbsp;Deferred Balance |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Next Due Date | &nbsp;&nbsp;Rounding Code | &nbsp;&nbsp;Balloon Fag |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;Borrower SSN |
| &nbsp;&nbsp;Credit Score | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Initial Roll Cap | &nbsp;&nbsp;Co-Borrower SSN |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;Mod Flag | &nbsp;&nbsp;Periodic Rate Cap |  |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Mod Date | &nbsp;&nbsp;Life Rate Cap |  |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Current Rate | &nbsp;&nbsp;Life Rate Floor |  |

---

------

<sup>1</sup> Four (4) exempt loans were not subject to a compliance review and did not receive a compliance grade.

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

![](ex996001.jpg)

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

Infinity conducted a credit review for four (4) mortgage loans. At that time, Infinity reviewed the 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 Infinity 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.

The loan was originated to MoFin DSCR Loan Underwriting Guidelines - March 11 2025 (v3.12).pdf.

**Credit Application:** For the Credit Application, Infinity 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:** Infinity's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to guidelines. In order to make this determination, Infinity: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered date required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

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

**Asset Review:** Infinity 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, Infinity 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 Infinity. During the course of this review, Infinity (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the debt-to-income ("DTI") calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched and that taxes were current, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific

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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:** Infinity 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, Infinity 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:** Infinity 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, Infinity conditioned the mortgage loan for the missing fraud report product.

If a report was present, Infinity 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, Infinity 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:** Infinity's review included a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

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

**Business Purpose/DSCR Scope:** Infinity conducted a business purpose/property focused Investor review for four (4) mortgage loans with DSCR calculation. There were no mortgage loans that were classified as No Ratio loans with no DSCR calculation.

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Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. During the course of this review, Infinity (i) reviewed the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation, (ii) examined appraisal reports, BPO's, and appraisal reviews to determine if the property type was consistent with underwritten property type and usage (such as evidence of either owner or tenant occupancy) and compared this information against other relevant information contained within applicable sections of the loan file to evaluate consistency, accuracy, and adherence to the credit policy, (iii) reviewed environmental reporting, Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements, (iv) reviewed credit reporting, VOR/VOM, Background Check(s), and any applicable Letter(s) of Explanation to confirm accuracy, adherence to credit policy requirements, and consistency with the Final Loan Approval worksheet, (v) reviewed HUD-1's, Title Search, Purchase Agreements, existing leases/rent rolls, and verification of funds with loan terms, and underwritten approved terms and amounts/LTV/LTC as well as adherence to credit policy requirements, (vi) reviewed LOI/LOE(s) for presence of un-qualified statement of business and occupancy intent, confirmation that the LOI/LOE cited address is consistent with the subject property address, and that signatory(s) are consistent with the identified borrower(s)/guarantor(s), (vii) reviewed Final Form 1003/Loan application to ensure complete execution that the subject property listed is consistent with the subject property, and that the listed residence for the Individual(s) is an address other than the subject property, (viii) confirmed, if applicable, business license(s) and P&L's are present, valid, and adhere to credit policy requirements, (ix) confirmed, if applicable, second mortgage documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements, (x) reviewed final loan approval worksheets for accuracy, completion, documentation of approval for any exceptions, and evaluating such items for agreement/consistency with all other documentation contained in the review file (xi) reviewed the Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity for presence of completed fields and verifying that the handwritten Primary Residence address differs from the subject property address and is signed/dated as required (xii) verified presence of a complete Certification of Non-Owner Occupancy and Indemnity document for each individual borrower/co-borrower/guarantor identified within the subject note/guaranty agreement, including the presence of either individual certifications or one certificate containing all required signatures, (xiii) compared the Primary Residence address(es) listed for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity, (xv) documented any non-approved credit policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue, (xvi) gathered the components of the DSCR from source documentation provided in the loan file during the course of the review. Where applicable, Infinity sums per the guidelines the principal and interest payment as well as the tax, insurance and HOA payment to arrive at a monthly property expense. This number is used as the denominator to the monthly lease or estimated lease income as per the guidelines.

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

Infinity conducted a review of the value of the underlying collateral at the time of its initial review for four (4) mortgage loans. For these four (4) mortgage loans, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines.

Infinity'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. Infinity'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

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a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

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

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

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

A compliance review was not performed because the loans are exempt.

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

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

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

The nationally recognized statistical rating organization ("NRSRO") criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 of the ABS Due Diligence 15E.

**OVERALL RESULTS SUMMARY (4 MORTGAGE LOANS)**

Infinity's review to NRSRO grading requirements covers four (4) mortgage loans. Within those mortgage loans, Infinity graded four (4) mortgage loans as "A".

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

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![](ex996001.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY (4 MORTGAGE LOANS)**

Of the four (4) mortgage loans reviewed, 0 (0.00%) mortgage loans had tape discrepancies across zero (0) unique data fields.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# of Variances** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |

---

**ADDITIONAL LOAN POPULATION SUMMARY (4 MORTGAGE LOANS)**

\*Total may not sum to total due to rounding.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$983800.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$983800.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$983800.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$983800.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi - Purpose/Unknown | &nbsp;&nbsp;1 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;$577500.00 | &nbsp;&nbsp;58.70% |
| &nbsp;&nbsp;Rate/Term Refinance – Borrower initiated | &nbsp;&nbsp;3 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;$406300.00 | &nbsp;&nbsp;41.30% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$983800.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$983800.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$983800.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$983800.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$983800.00** | &nbsp;&nbsp;**100.00%** |

---

10 \| P a g e

## Exhibit 99.28

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.28**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **Final Overall Compliance Grade** | **DBRS INITIAL Compliance Grade** | **DBRS FINAL Compliance Grade** | **FITCH INITIAL Compliance Grade** | **FITCH FINAL Compliance Grade** | **KROLL INITIAL Compliance Grade** | **KROLL FINAL Compliance Grade** | **MOODY's INITIAL Compliance Grade** | **MOODY's FINAL Compliance Grade** | **S&P INITIAL Compliance Grade** | **S&P FINAL Compliance Grade** |
| XXX | 2025120546 | XXX | XXX | XXX | XXX | XXX A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| XXX | 2025120549 | XXX | XXX | XXX | XXX | XXX A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| XXX | 2025120547 | XXX | XXX | XXX | XXX | XXX A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| XXX | 2025120548 | XXX | XXX | XXX | XXX | XXX A | Not Applicable A D | Not Applicable | Not Applicable A D | Not Applicable | Not Applicable A D | Not Applicable | Not Applicable A D | Not Applicable | Not Applicable A D | Not Applicable | Not Applicable A |

---

## Exhibit 99.29

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.29**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **AGENCY DATA** | **AGENCY DATA** | **AGENCY DATA** |
| **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for CLTV** | **Appraisal Date** | **Appraisal Type** | **AVM Value** | **Variance $** | **Variance %** | **AVM Company** | **AVM FSD Score** | **AVM Effective Date** | **Desk Value** | **Variance $** | **Variance %** | **Desk Company** | **Desk Report Date** | **BPO As-Is Value** | **Variance $** | **Variance %** | **BPO Company** | **BPO Inspection Date** | **FR Value** | **Variance $** | **Variance %** | **FR Company** | **FR Report Date** | **2nd Appraisal Value** | **Variance $** | **Variance %** | **2nd Appraisal Company** | **2nd Appraisal Date** | **Eligible for Rep/Warrant Relief** | **LCA Risk Score** | **CU Score** |
| XXX | 2025120548 |  | XXX | XXX | Not Applicable | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| XXX | 2025120549 |  | XXX | XXX | Not Applicable | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| XXX | 2025120547 |  | XXX | XXX | Not Applicable | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| XXX | 2025120546 |  | XXX | XXX | Not Applicable | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |

---

## Exhibit 99.30

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.30**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Borrower Name** | **State** | **QM/ATR Status** | **Initial Overall Loan Grade** | **Final Overall Grade** | **Final Credit Grade** | **Final Property Grade** | **Final Compliance Grade** | **Material (level 3) TRID exception?** | **Material (level 3) Non-TRID exception?** | **Active Material Exceptions** | **Active Non Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **Property Type** | **Note Date** | **LTV** | **CLTV** | **Occupancy** | **Purpose** | **Credit Score** | **Brwr 1 Yrs in Property** | **Brwr 1 Occupation** | **Brwr 1 Yrs on Job** | **Total Monthly Income** | **Mortgage History** | **Cash Out Amount** | **DTI** | **FTHB Flag** | **Loan Doc Type** | **Loan Status** | **Review Date** |
| XXX | 2025120548 |  | XXX | XXX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - XXX<br> COMMENT: Provide an updated tax certificate for the property located at XXX.<br>Resolved XXX - Received Tax bill statement, condition resolved. |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  | Mos Reviewed:XXX<br> Times XXX:XXX<br> Times XXX:XXX<br> Times XXX:XXX<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last XXX:XXX<br> Max Days Dlq Last XXX:XXX<br> Verification Type:Credit Report | XXX |  |  | No Documentation | QC Complete | XXX |
| XXX | 2025120549 |  | XXX | XXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  | Mos Reviewed:XXX<br> Times XXX:XXX<br> Times XXX:XXX<br> Times XXX:XXX<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last XXX:XXX<br> Max Days Dlq Last XXX:XXX<br> Verification Type:Credit Report |  |  |  | No Documentation | QC Complete | XXX |
| XXX | 2025120547 |  | XXX | XXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | Mos Reviewed:XXX<br> Times XXX:XXX<br> Times XXX:XXX<br> Times XXX:XXX<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last XXX:XXX<br> Max Days Dlq Last XXX:XXX<br> Verification Type:Credit Report |  |  |  | No Documentation | QC Complete | XXX |
| XXX | 2025120546 |  | XXX | XXX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - XXX<br> COMMENT: Missing signed application.<br>Resolved XXX - Received 1003 application, condition resolved. |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | Mos Reviewed:XXX<br> Times XXX:XXX<br> Times XXX:XXX<br> Times XXX:XXX<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last XXX:XXX<br> Max Days Dlq Last XXX:XXX<br> Verification Type:Credit Report |  |  |  | No Documentation | QC Complete | XXX |

---

## Exhibit 99.31

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.31**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Borrower Last Name** | **Property State** | **Note Date** | **Loan Purpose** | **TPR QM ATR Status** | **Initial Overall Loan Grade** | **Final Overall Loan Grade** | **Exception Category** | **Exception Subcategory** | **Exception Code** | **Final Exception Status** | **Initial Exception Grade** | **Final Exception Grade** | **Exception** | **Exception Detail** | **Follow-up Comments (Exception Response)** | **Exception Conclusion Comments** | **Compensating Factors** | **Curable Status** | **Loan Status** | **Review Date** | **Cleared Date** | **Cured Date** | **Exception Date** |
| XXX | 2025120548 |  | XXX | XXX | XXX | XXX | Not Covered/Exempt | 3 | 1 | Credit | Credit | XXX | Resolved | 3 | R | \* Required Documentation Missing (XXX) | Provide an updated tax certificate for the property located at XXX.<br>Resolved XXX - Received Tax bill statement, condition resolved. | Resolved XXX - Received Tax bill statement, condition resolved. | Resolved XXX - Received Tax bill statement, condition resolved. |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2025120546 |  | XXX | XXX | XXX | XXX | Not Covered/Exempt | 3 | 1 | Credit | Credit | XXX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (XXX) | Missing signed application.<br>Resolved XXX - Received 1003 application, condition resolved. | Resolved XXX - Received 1003 application, condition resolved. | Resolved XXX - Received 1003 application, condition resolved. |  |  | QC Complete | XXX | XXX | XXX | XXX |

---

## Exhibit 99.32

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.32**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Data Compare** | **Data Compare** | **Data Compare** |  |  |  |  |  |
| **Infinity Loan ID** | **Loan Number** | **Loan Number 2** **Field** | **Loan Value** | **Tape Value** | **Variance %** | **Comment** | **Tape Source** |

---

## Exhibit 99.33

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.33**

![](ex997001.jpg)

**Selene Diligence LLC ("Selene") Due <br> Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Angel Oak Mortgage Fund EU B LLC (the "Client"). The review was conducted between August 13 2025 and September 05 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 2 Non-QM loans for a total of 2 loans the "Final Securitization Population".

*<u>Credit Reviews (2):</u>*

During the Review, Selene performed a credit review on 2 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (2)</u>*

During the Review, Selene performed a compliance review, when applicable on 2 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (2):</u>*

During the Review, Selene performed a property valuation review on 2 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (2):</u>*

During the Review, Selene performed a Data Integrity Review on 2 mortgage loans in the Final Securitization Population.

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

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 2 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;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;2 | &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, Fitch Ratings, Inc. ("Fitch") and Kroll Bond Rating Agency ("Kroll") (the "NRSRO(s)").

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

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

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

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

Kind Lending Non-Agency Program 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.

Page **2** of **16**

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A,B, and C, attached hereto).

**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

● Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Guidelines cited above;

● Re-calculated LTV, CLTV, income, liabilities and compared these against the Guidelines;

● Analyzed asset statements to determine whether funds to close and reserves were within the Guidelines;

● 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.

● **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.

● **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.

Page **3** of **16**

**DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

● Tape data received from lender/client is stored in a secured FTP folder;

● Tape data is uploaded into the application;

● Loan Reviewer collects validated loan data;

● Each received data point is compared to its counterpart collected data point; and

● 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 2 mortgage loans, (ii) a Compliance Review on 2 mortgage loans (iii) a Valuation Review on 2 mortgage loans, and (iv) a Data Integrity Review on 2 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 2 mortgage loans; 2 mortgage loans had a rating grade of A, 0 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 (2 overall loans):***

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Page **4** of **16**

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

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

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

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of

Page **5** of **16**

limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene
Due Diligence Narrative Report

2. ASF
Report

3. Grading
Summary

4. Exception
Detail

5. Tape
Discrepancies

6. Valuations
Report

7. Supplemental
Data

8. Third
Party (TPR) Attestation Form

9. Attestation
Form 15E

Page **6** of **16**

**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

Page **7** of **16**

**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;

Page **8** of **16**

&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.

Page **9** of **16**

**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) *as applicable for loans with application dates prior to October 3, 2015:*</u> 

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

ii) proper execution by all required parties;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

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

i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction; <br> ii) review relevant document to determine if there was dual compensation; and

Page **10** of **16**

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;g) <u>Homeownership counseling (§1026.36):</u> 

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

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

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

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

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

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

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

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

iii) confirm that certain sections of each LE determined to carry assignee liability were completed and that information was reflected in the appropriate locations, which 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 that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

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

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

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

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

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; and

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 3.0, as may be updated from time to time.

Page **11** of **16**

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

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

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

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

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

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

Selene reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). 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.

**4.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution.** 

**5.** **Federal and state specific high-cost provisions, as further enumerated in Schedule 1, attached hereto.** 

Page **12** of **16**

**SCHEDULE I**

**<u>Selene tests perform compliance checks by state license types for interest rate, late fees, grace periods, high cost, higher priced, anti-predatory lending and prepayment term requirements. Restrictive Fees test assess qualifiable mortgage loan fee restrictions under state/municipalities laws and regulations.</u>**

**(Below are state regulations which test specifically for high cost, higher priced, and anti-predatory lending.)**

&nbsp;&nbsp;&nbsp;&nbsp;1. AL
 Consumer Credit License- Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;2. AK
 Small Loan Act-Mortgage Broker/Lender License-Mortgage Lending Regulation License<br>
 Registered Depository Institution Registration

&nbsp;&nbsp;&nbsp;&nbsp;3. AR
 Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;4. AZ
 Mortgage Banker & Broker License-Consumer Lender License

&nbsp;&nbsp;&nbsp;&nbsp;5. CA
 AB 489/344 (Division 1.6 of the Financial Code)

&nbsp;&nbsp;&nbsp;&nbsp;6. CO
 Consumer Equity Protection Article

&nbsp;&nbsp;&nbsp;&nbsp;7. CO
 Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;8. DE
 Licensed Lender License Broker License Lender License

&nbsp;&nbsp;&nbsp;&nbsp;9. Washington,
 DC Home Loan Protection Act of 2002

&nbsp;&nbsp;&nbsp;&nbsp;10. Washington,
 DC Mortgage Disclosure Act of 2007

&nbsp;&nbsp;&nbsp;&nbsp;11. FL
 Fair Lending Act

&nbsp;&nbsp;&nbsp;&nbsp;12. GA
 Fair Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;13. HW
 Financial Services Loan Company License -Mortgage Broker and Solicitor License- Foreign
 Lender License - Mortgage Loan Originator Company License

&nbsp;&nbsp;&nbsp;&nbsp;14. ID
 Residential Mortgage Practices Act - (Home Loan Practices article)

&nbsp;&nbsp;&nbsp;&nbsp;15. IN
 Home Loan Practices Article

&nbsp;&nbsp;&nbsp;&nbsp;16. IA
 Mortgage Banker License Regulated Loan License - Industrial Loan License - Mortgage Banker
 Registrant- Mortgage Broker License- Master Loan Company Registration<br>
 Nonprofit Mortgage Banker Registrant

&nbsp;&nbsp;&nbsp;&nbsp;17. KS
 Consumer Credit Code - Kansas Supervised Lenders License- - Consumer credit code 16-207

&nbsp;&nbsp;&nbsp;&nbsp;18. LA
 Residential Mortgage Lending License - Consumer Loan License- Licensed Lender License

&nbsp;&nbsp;&nbsp;&nbsp;19. MA
 Mortgage Lender and Broker Regulations

&nbsp;&nbsp;&nbsp;&nbsp;20. MD
 Commercial Law amended by Maryland Senate Bill 270

&nbsp;&nbsp;&nbsp;&nbsp;21. Maryland
 Regulations under the Maryland Mortgage Lender Law HB 649 - 363amendments, and COMAR

&nbsp;&nbsp;&nbsp;&nbsp;22. MI
 Consumer Mortgage Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;23. MN
 Mortgage Originator and Servicer Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;24. MS
 Residential Mortgage Company License - Mortgage Lender License - Mortgage Broker Licen

&nbsp;&nbsp;&nbsp;&nbsp;25. MO
 Mortgage Company License

&nbsp;&nbsp;&nbsp;&nbsp;26. MT
 - Consumer Loan License - Residential Mortgage Lender License-Mortgage Broker License<br>
 Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;27. NC
 Rate Spread Home Loan Provisions (original 2008 provisions and 2009, 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;28. ND
 Money Broker License

&nbsp;&nbsp;&nbsp;&nbsp;29. NE
 Mortgage Bankers Registration and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;30. NH
 First Mortgage Banker License – Second Mortgage Home Loan – Mortgage Banker
 License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;31. NJ
 Home Ownership Security Act 2002 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;32. NM
 Home Loan Protection Act (pre- and post-amendments)

Page **13** of **16**

&nbsp;&nbsp;&nbsp;&nbsp;33. OH
 Consumer Sales Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;34. Cleveland
 Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;35. Summit
 County, OH Consumer Affairs Board Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;36. Summit
 County, OH Consumer Protection Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;37. OK
 Home Ownership and Equity Protection Act (original provisions & 2009 higher-priced
 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;38. OR
 Consumer Finance License – Consumer Finance Registration – Mortgage Lender
 License

&nbsp;&nbsp;&nbsp;&nbsp;39. PA
 Consumer Equity Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;40. RI
 Home Loan Protection Act and Regulation 3

&nbsp;&nbsp;&nbsp;&nbsp;41. SD
 Mortgage Lender License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;42. TN
 Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;43. UT
 Residential Mortgage Practices and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;44. VA
 Mortgage Lender and Broker Act

&nbsp;&nbsp;&nbsp;&nbsp;45. WA
 House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008 –
 Consumer Loan Company License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;46. WV
 Residential Mortgage Lender, Broker and Servicer Act

&nbsp;&nbsp;&nbsp;&nbsp;47. WY
 Consumer Credit Code – Registered Consumer Loan Lender – Mortgage Lender
 Broker License

<u>The following state **specific** regulations which address high cost, higher priced and anti-predatory lending.</u>

&nbsp;&nbsp;&nbsp;&nbsp;48. CA
 AB 260 (Division 1.9 of the Financial Code) higher-priced mortgage loan provisions -
 Anti-Predatory Lending Statute - Amendment

&nbsp;&nbsp;&nbsp;&nbsp;49. CT
 Abusive Home Lending Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;50. CT
 Nonprime Home Loans Statute

&nbsp;&nbsp;&nbsp;&nbsp;51. IL
 Office of Banks and Real Estate High Risk Home Loan Regulations

&nbsp;&nbsp;&nbsp;&nbsp;52. IL
 High Risk Home Loan ActL Predatory Lending Database Program

&nbsp;&nbsp;&nbsp;&nbsp;53. Chicago,
 IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;54. Cook
 County, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;55. KY
 Predatory Lending and High Cost Home Loan Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;56. ME
 Title 9-A Residential Mortgage Loan, High-Rate, High-Fee Provisions, High Cost, Subprime,
 Rate Spread Home Loan, and Higher-Priced Mortgage Loan Provisions (original 2003 provisions
 and 2008, 2009, 2011 & 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;57. MA
 High Cost Home Loan Regulations (pre- and post-amendments) - MA Predatory Home Loan Practices
 Act - MA 209 CMR 32.35 Higher-Priced Mortgage Loan Provisions - MA "Borrower's
 Interest" Standard

&nbsp;&nbsp;&nbsp;&nbsp;58. Maryland
 Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage
 Lender Law

&nbsp;&nbsp;&nbsp;&nbsp;59. NC
 Restrictions and Limitations of Home Loans and High-Cost Home Loans

&nbsp;&nbsp;&nbsp;&nbsp;60. NV
 Unfair Lending Practices Act – Anti Predatory Lending Law

&nbsp;&nbsp;&nbsp;&nbsp;61. NY
 GRBB Part 41 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;62. NY
 Banking Law 6-L

&nbsp;&nbsp;&nbsp;&nbsp;63. NY
 Banking Law 6-M

&nbsp;&nbsp;&nbsp;&nbsp;64. OH
 Anti - Predatory Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;65. Cleveland
 Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;66. RI
 Providence Ordinance Regarding Predatory Lending (post-amendment)

&nbsp;&nbsp;&nbsp;&nbsp;67. SC
 High-Cost and Consumer Home Loan Act (original provisions & 2010 ARM amendments)

&nbsp;&nbsp;&nbsp;&nbsp;68. TX
 Home Loan and High Cost Home Loan Act

Page **14** of **16**

&nbsp;&nbsp;&nbsp;&nbsp;69. UT
 High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;70. VT
 High Rate Loans

&nbsp;&nbsp;&nbsp;&nbsp;71. VI
 VA SB 797 Hight Risk Mortgage – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;72. WI
 Responsible High Cost Mortgage Lending Act

Page **15** of **16**

**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

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

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

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

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

● Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **16** of **16**

## Exhibit 99.34

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.34**

---

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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** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXX | 2025120579 |  |  | Closed | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or XXX fees for non-subject property | Resolved-Property report provided. Resolved. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Taxes - Seller-XXX<br> Open-Provide proof of document for tax and insurance amount of $XXX for XXX XXX as it is not in file. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Taxes - Seller-XXX | Resolved-Property report provided. Resolved. - Due Diligence Vendor-XXX | XXX.pdf |  |  | XXX | XXX | XXX NA | XXX | N/A | N/A |
| XXX | 2025120579 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Borrower XXX XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Resolved-Updated Borrower XXX XXX Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XXX<br> Resolved-Borrower XXX XXX Credit Report is not expired. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX Credit - Seller-XXX<br> Open-Borrower XXX XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). Per GL XXX page # XXX, a XXX credit report is required no more than XXX days prior to loan closing or any time after closing. Provide updated XXX credit report for B2 as the one file is dated XXX which is expired before note date of XXX. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. XXX Credit - Seller-XXX | Resolved-Updated Borrower XXX Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XXX<br> Resolved-Borrower XXX Credit Report is not expired. - Due Diligence Vendor-XXX | XXX.pdf |  |  | XXX | XXX | XXX NA | XXX | N/A | N/A |
| XXX | 2025120579 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Borrower XXX XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Resolved-Updated Borrower XXX Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXX <br> Resolved-Borrower XXX Credit Report is not expired. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX Credit - Seller-XXX<br> Open-Borrower XXX XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). Per GL XXX page # XXX, a XXX credit report is required no more than XXX days prior to loan closing or any time after closing. Provide updated XXX credit report for B1 as the one file is dated XXX which is expired before note date of XXX. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. XXX Credit - Seller-XXX | Resolved-Updated Borrower XXX Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXX<br> Resolved-Borrower XXX Credit Report is not expired. - Due Diligence Vendor-XXX | XXX.pdf |  |  | XXX | XXX | XXX NA | XXX | N/A | N/A |

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## Exhibit 99.35

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.35**

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| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2025120579 |  |  | XXX D A |
| 2025120551 |  |  | XXX A |

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## Exhibit 99.36

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.36**

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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** |
| 2025120579 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025120551 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXX | XXX | 0% | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXX |

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## Exhibit 99.37

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.37**

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2025120579 |  |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Property is a XXX per 1008, XXX, appraisal. |
| 2025120579 |  |  | XXX | Verified Doc Type | employmentIncomePage | XXX | XXX | XXX months banks statements is verified. |
| 2025120579 |  |  | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | True data includes PITIA while tape data does not include XXX amount of $XXX. |
| 2025120579 |  |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audited DTI is XXX and lender DTI is XXX. The difference is XXX which is within the tolerance. |
| 2025120551 |  |  | XXX | Note Date | notePage | XXX | XXX | Note date verified from Note document page XXX. |
| 2025120551 |  |  | XXX | Verified Doc Type | employmentIncomePage | XXX | XXX | Doctype updated per XXX & documentation. |
| 2025120551 |  |  | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | Qualifying Total Housing expenses PITIA is matching with 1008 Tape data not included Taxes and Insurance. |
| 2025120551 |  |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is XXX% but Originator DTI is XXX%. Variance is XXX within tolerance due to the difference in all other monthly payment and Insurance, our calculated all other monthly payment is XXX + Tradelines $XXX whereas underwriter has considered as per 1008 page XXX is $XXX and our calculated insurance as per Insurance page XXX XXX annual premium $XXX=$XXX and XXX $XXX which is matching with final cd page XXX whereas 1008 shows incorrect Hazard Insurance $XXX. |

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