# EDGAR Filing Document

**Accession Number:** 0001599342
**File Stem:** 0001193125-25-291505
**Filing Date:** 2025-11
**Character Count:** 993151
**Document Hash:** 8912f91d7ecfa59a212b3b46feba6d50
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-25-291505.hdr.sgml**: 20251121

**ACCESSION NUMBER**: 0001193125-25-291505

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

**PUBLIC DOCUMENT COUNT**: 18

**CONFORMED PERIOD OF REPORT**: 20251121

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

**FILED AS OF DATE**: 20251121

**DATE AS OF CHANGE**: 20251121

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

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

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01521
- **FILM NUMBER:** 251508644

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

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

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

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

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

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

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

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

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

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

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

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

**UNITED STATES** 

**SECURITIES AND EXCHANGE COMMISSION** 

**Washington, D.C. 20549** 

**FORM ABS-15G** 

**ASSET-BACKED SECURITIZER** 

**REPORT PURSUANT TO SECTION 15G OF** 

**THE SECURITIES EXCHANGE ACT OF 1934** 

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

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

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

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

**Central Index Key Number of securitizer:** 

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

**contact in connection with this filing.** 

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

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

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

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

Central Index Key Number of securitizer: 0001599342

## PMT Loan Trust 2025-INV12
**(Exact name of issuing entity as specified in its charter)** 

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

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

**Chris White** 

**(805) 530-5829** 

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

**contact in connection with this filing** 

------

**PART I: REPRESENTATION AND WARRANTY INFORMATION** 

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

N/A

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

N/A

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

N/A

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

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

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

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

N/A

------

**EXHIBIT INDEX** 

---

| | |
|:---|:---|
| 99.1 | [Clayton Services LLC ("Clayton") Due Diligence Narrative Report](d72187dex991.htm) |
| 99.2 | [Clayton Conditions Report](d72187dex992.htm) |
| 99.3 | [Clayton Rating Agency ATR QM Data Fields](d72187dex993.htm) |
| 99.4 | [Clayton Loan Level Tape Compare Upload](d72187dex994.htm) |
| 99.5 | [Clayton Valuations Summary](d72187dex995.htm) |
| 99.6 | [Consolidated Analytics, Inc. ("Consolidated Analytics") Due Diligence Executive Summary](d72187dex996.htm) |
| 99.7 | [Consolidated Analytics Exception Grades Report](d72187dex997.htm) |
| 99.8 | [Consolidated Analytics Data Compare Report](d72187dex998.htm) |
| 99.9 | [Consolidated Analytics Grading Summary Report](d72187dex999.htm) |
| 99.1 | [Consolidated Analytics ATR QM Report](d72187dex9910.htm) |
| 99.11 | [Consolidated Analytics Valuations Summary Report](d72187dex9911.htm) |

---

------

**SIGNATURES** 

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

---

| | |
|:---|:---|
| PennyMac Corp. | PennyMac Corp.<br>(Securitizer) |
| Date | November 21, 2025 |
| /s/ Daniel S. Perotti | /s/ Daniel S. Perotti<br> (Signature) |
| By: | Daniel S. Perotti |
| Title: | Senior Managing Director and Chief Financial Officer |

---

## Exhibit 99.1

**EXHIBIT 99.1** 

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

------

**Exhibit 99.1**![LOGO](g72187g27x92.jpg)

![LOGO](g72187g49q77.jpg)

![LOGO](g72187g99x96.jpg)

**November 19, 2025**<br>**Due Diligence Narrative Report**<br>

------

![LOGO](g72187g0923075813914.jpg)

**TABLE OF CONTENTS**

---

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

---

PMT Loan Trust 2025-INV12 Page \| 1 November 19, 2025

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![LOGO](g72187g0923075813914.jpg)

**CLAYTON CONTACT INFORMATION** 

Client Service Management:

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

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

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

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

**OVERVIEW** 

On behalf of PennyMac Corp. ("PennyMac"), Clayton conducted an independent third-party pre-securitization due diligence review of 390 residential loans selected for the PMT Loan Trust 2025-INV12 transaction. The loans referenced in this narrative report were reviewed on a bulk basis between October 2025 and November 2025. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

**ORIGINATORS** 

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
|  Broker | 80 | 20.51% |
|  Correspondent Bulk | 12 | 3.08% |
|  Correspondent Flow | 298 | 76.41% |
|  **Total** | **390** | **100.00%** |

---

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

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

**SAMPLING** 

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

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

PMT Loan Trust 2025-INV12 Page \| 2 November 19, 2025

------

![LOGO](g72187g0923075813914.jpg)

Review Type Loan Counts:

---

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

---

**SPONSOR ACQUISITION CRITERIA** 

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

**LOAN GRADING** 

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

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

![LOGO](g72187g1121122145389.jpg)

**TPR COMPONENT REVIEW SCOPE** 

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

PMT Loan Trust 2025-INV12 Page \| 3 November 19, 2025

------

![LOGO](g72187g0923075813914.jpg)

CREDIT REVIEW

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

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

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

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

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

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

PROPERTY VALUATION REVIEW

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

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

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

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

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

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

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

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

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

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

For further detail please refer to the PMTLT 2025-INV12 Valuations Summary Report

REGULATORY COMPLIANCE REVIEW

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

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

PMT Loan Trust 2025-INV12 Page \| 4 November 19, 2025

------

![LOGO](g72187g0923075813914.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Non-Owner Occupied Scope: Most consumer protection laws are designed to
afford protection to borrowers who are entering into a loan that will be secured by their residence. For most high cost and higher-priced laws, as well as rescission, the only loans covered by the law are loans secured by the
borrower's (or in the case of rescission a title holder's) principal residence. Most other consumer protection laws extend to a borrower's secondary

PMT Loan Trust 2025-INV12 Page \| 5 November 19, 2025

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![LOGO](g72187g0923075813914.jpg)

residence, which under TILA and RESPA is a residence that they occupy at least 2 weeks during the year. Further, if the loan is for a business purpose it is often excluded from consumer protection laws regardless of occupancy, including TILA (whereas if it is secured by non-owner occupied but for a personal, family or household purpose it is more likely to be covered).<br>

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

State and Federal High Cost and Higher-Priced:

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

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

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

Anti-predatory lending laws

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

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

Prepayment Penalties and Late Charges in certain states

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

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

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

**DATA INTEGRITY** 

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

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

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

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

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

**DATA CAPTURE** 

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

PMT Loan Trust 2025-INV12 Page \| 6 November 19, 2025

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![LOGO](g72187g0923075813914.jpg)

**DATA COMPARE RESULTS** 

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

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Field Name** | **#** | **Accuracy %** |
|  Appraisal Form Type | 69 | 82.31% |
|  AUS Grade Audit | 162 | 58.46% |
|  Borrower 1 First Name | 2 | 99.49% |
|  Borrower 1 Self Employed Flag | 10 | 97.44% |
|  Borrower 1 Total Income | 74 | 81.03% |
|  Borrower 2 First Name | 2 | 99.49% |
|  Borrower 2 Last Name | 2 | 99.49% |
|  Borrower 2 Self Employed Flag | 6 | 98.46% |
|  Cash Reserves | 239 | 38.72% |
|  Credit Report Date | 12 | 96.92% |
|  Debt to Income Ratio (Back) | 25 | 93.59% |
|  Disbursement Date | 1 | 99.74% |
|  First Payment Date | 1 | 99.74% |
|  Maturity Date | 1 | 99.74% |
|  Min Number | 1 | 99.74% |
|  Original Appraisal Date | 3 | 99.23% |
|  Original Appraised Value | 2 | 99.49% |
|  Origination Channel | 23 | 94.10% |
|  Property Street Address | 3 | 99.23% |
|  Property Type | 38 | 90.26% |
|  Representative Credit Score for Grading | 1 | 99.74% |
|  Total Cash Out | 3 | 99.23% |
|  Total Monthly Income | 5 | 98.72% |

---

PMT Loan Trust 2025-INV12 Page \| 7 November 19, 2025

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![LOGO](g72187g0923075813914.jpg)

**CLAYTON DUE DILIGENCE RESULTS** 

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

**Initial and Final Overall Loan Grade Results** 

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 183 |  | 12 | 137 | **332** |
| **Final** | **B** |  | 3 | 10 | 30 | **43** |
| **Final** | **C** |  |  | 4 | 6 | **10** |
| **Final** | **D** |  |  |  | 5 | **5** |
| **Final** | **Total** | **183** | **3** | **26** | **178** | **390** |

---

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

**Initial and Final Credit Component Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 333 |  | 15 | 24 | **372** |
| **Final** | **B** |  | 6 |  | 3 | **9** |
| **Final** | **C** |  |  | 5 |  | **5** |
| **Final** | **D** |  |  |  | 4 | **4** |
| **Final** | **Total** | **333** | **6** | **20** | **31** | **390** |

---

**Initial and Final Property Valuation Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 218 |  | 1 | 143 | **362** |
| **Final** | **B** |  | 1 | 9 | 15 | **25** |
| **Final** | **C** |  |  |  | 2 | **2** |
| **Final** | **D** |  |  |  | 1 | **1** |
| **Final** | **Total** | **218** | **1** | **10** | **161** | **390** |

---

**Initial and Final Regulatory Compliance Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 352 |  | 5 | 14 | **371** |
| **Final** | **B** |  | 4 | 5 | 4 | **13** |
| **Final** | **C** |  |  | 4 |  | **4** |
| **Final** | **D** |  |  |  | 2 | **2** |
| **Final** | **Total** | **352** | **4** | **14** | **20** | **390** |

---

PMT Loan Trust 2025-INV12 Page \| 8 November 19, 2025

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![LOGO](g72187g0923075813914.jpg)

**CLAYTON THIRD PARTY REPORTS DELIVERED** 

Clayton furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

PMT Loan Trust 2025-INV12 Page \| 9 November 19, 2025

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![LOGO](g72187g0923075813914.jpg)

**APPENDIX A: CREDIT REVIEW SCOPE** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

PMT Loan Trust 2025-INV12 Page \| 11 November 19, 2025

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![LOGO](g72187g0923075813914.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

PMT Loan Trust 2025-INV12 Page \| 12 November 19, 2025

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![LOGO](g72187g0923075813914.jpg)

**APPENDIX B: ORIGINATION APPRAISAL ASSESSMENT** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

PMT Loan Trust 2025-INV12 Page \| 13 November 19, 2025

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![LOGO](g72187g0923075813914.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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![LOGO](g72187g0923075813914.jpg)

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

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

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

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

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

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

F. Disclaimer

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

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

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

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

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

G. Desk Review definitions

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

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

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**APPENDIX C: REGULATORY COMPLIANCE REVIEW SCOPE** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

---

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

---

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

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

---

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

---

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

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

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

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

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

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

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

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

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

---

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

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

---

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

---

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

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

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

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

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

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

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

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

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

PMT Loan Trust 2025-INV12 Page \| 20 November 19, 2025

## Exhibit 99.2

**EXHIBIT 99.2** 

**CLAYTON CONDITIONS REPORT** 

------

---

| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2025-INV12 Securitization** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *390* |
| ***Loans with Conditions:*** | *209* |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;**44 - Total Active Conditions** | |
| **26 - Material Conditions** | **26 - Material Conditions** |
| 14 - Credit Review Scope | 14 - Credit Review Scope |
|  | 1 - Category: Ability to Repay/Qualified Mortgage |
|  | 1 - Category: Application |
|  | 4 - Category: Assets |
|  | 4 - Category: DTI |
|  | 1 - Category: Income/Employment |
|  | 1 - Category: Legal Documents |
|  | 2 - Category: Terms/Guidelines |
| 3 - Property Valuations Review Scope | 3 - Property Valuations Review Scope |
|  | 1 - Category: Appraisal |
|  | 2 - Category: Value |
| 9 - Compliance Review Scope | 9 - Compliance Review Scope |
|  | 5 - Category: Ability to Repay/Qualified Mortgage |
|  | 4 - Category: TILA/RESPA Integrated Disclosure |
| **18 - Non-Material Conditions** | **18 - Non-Material Conditions** |
| 10 - Credit Review Scope | 10 - Credit Review Scope |
|  | 1 - Category: Assets |
|  | 1 - Category: Credit/Mtg History |
|  | 2 - Category: DTI |
|  | 5 - Category: Income/Employment |
|  | 1 - Category: Insurance |
| 1 - Property Valuations Review Scope | 1 - Property Valuations Review Scope |
|  | 1 - Category: FEMA |
| 7 - Compliance Review Scope | 7 - Compliance Review Scope |
|  | 7 - Category: RESPA |
| &nbsp;&nbsp;&nbsp;**294 - Total Satisfied Conditions** | &nbsp;&nbsp;&nbsp;**294 - Total Satisfied Conditions** |
| 50 - Credit Review Scope | 50 - Credit Review Scope |
|  | 3 - Category: Assets |
|  | 3 - Category: Credit/Mtg History |
|  | 13 - Category: DTI |
|  | 12 - Category: Income/Employment |
|  | 5 - Category: Insurance |
|  | 6 - Category: Legal Documents |
|  | 5 - Category: Terms/Guidelines |
|  | 3 - Category: Title |
| 191 - Property Valuations Review Scope | 191 - Property Valuations Review Scope |
|  | 188 - Category: Appraisal |
|  | 1 - Category: FEMA |
|  | 1 - Category: Property |
|  | 1 - Category: Value |

---

------

---

| | |
|:---|:---|
| 53 - Compliance Review Scope | 53 - Compliance Review Scope |
|  | 15 - Category: Ability to Repay/Qualified Mortgage |
|  | 5 - Category: Compliance Manual |
|  | 1 - Category: Documentation |
|  | 1 - Category: Finance Charge Tolerance |
|  | 1 - Category: RESPA |
|  | 1 - Category: State Consumer Protection |
| | 29 - Category: TILA/RESPA Integrated Disclosure |
| &nbsp;&nbsp;&nbsp;**0 - Total Waived Conditions** |  |

---

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

------

---

| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2025-INV12 Securitization** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *390* |
| ***Loans with Conditions:*** | *209* |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;1064 | XXXXXX | XXXXXX | NC (No<br>Data) | ATR/<br>QM:<br>Exempt C A | Credit | Income/<br>Employment | Satisfied C A | CRDINC2488 | Verbal<br>verification of<br>employment<br>missing | No | Missing a<br>verbal<br>verification<br>of<br>employment.<br>The AUS<br>validated<br>employment<br>but the loan<br>did not close<br>within the<br>specified<br>timeframe.<br>The AUS<br>specifies a<br>close date of<br>XXX. The<br>loan closed<br>on XXX. | 7/21/2025:<br>Received<br>XXX<br>Written<br>VOE. DU<br>condition

#17, shows<br>VVOE used<br>but with a<br>close by date<br>of XXX. DU<br>needs to be<br>re-run to<br>show XXX<br>close by<br>date.<br>10/23/2025:<br>VVOE<br>meets<br>guides. | 7/21/2025:<br>Exception<br>remains.<br>10/23/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: B1 is in the profession 4 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified post close assets $73,815.17 or 35.15 months PITI exceed required reserves $12,598.47 or 6 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified FICO 803. Guideline minimum 620. | Complete |
| &nbsp;&nbsp;&nbsp;1065 | XXXXXX | XXXXXX | CA (No<br>Data) | ATR/<br>QM:<br>Exempt C A | Property<br>Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues<br>Indicated | No | Appraisals<br>in file<br>indicate<br>owner<br>occupant<br>while AUS<br>indicates<br>investment<br>property. | 10/28/2025:<br>Received<br>updated<br>appraisal<br>showing<br>tenant<br>occupied. | 10/28/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves of $34,843.70 or 8.08 months PITI reserves exceed required reserves of $25,886.55. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 72.66 is below guideline requirement of 75. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Additional documented YTD + 2 years bonus income of $1,613.70 for B1 not used in qualifying. CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers credit usage ratio of 7.56% reflects minimal use of credit. | Complete |
| &nbsp;&nbsp;&nbsp;1066 | XXXXXX | XXXXXX | CA (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Income/<br>Employment | Satisfied D A | CRDINC3204 | Income<br>Documentation<br>Missing | No | Missing the<br>borrowers<br>2024 1040's<br>to document<br>rental<br>income or<br>proof an<br>extension<br>was filed | 7/14/2025:<br>Received<br>lender<br>income calcs<br>and 2023<br>1040s. Still<br>need either<br>2024 1040s<br>or proof<br>extension<br>filed.<br>7/18/2025:<br>Received<br>2024 Form<br>4868<br>showing<br>$35K due.<br>Funds to be<br>withdrawn<br>from XXX

#XXX.<br>Provide<br>proof<br>extension is<br>paid.<br>10/23/2025:<br>Received<br>guides<br>noting<br>extension<br>filed is<br>sufficient<br>based on<br>disbursement<br>date.<br>Requirement<br>met. | 7/14/2025:<br>Exception<br>remains.<br>7/18/2025:<br>Exception<br>remains.<br>10/23/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves $150,621.14. Required $31,246.88. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 761. Minimum 620. | Complete |
| &nbsp;&nbsp;&nbsp;1067 | XXXXXX | XXXXXX | CA (No<br>Data) | ATR/<br>QM:<br>Exempt C A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient<br>Hazard<br>Insurance<br>Coverage | No | Loan<br>amount is<br>$XXX; HOI<br>Dwelling<br>coverage<br>limit is<br>$XXX and<br>RCE is<br>$XXX. | 10/23/2025:<br>Lender<br>provided<br>verification<br>of 25%<br>extended<br>replacement<br>cost.<br>Sufficient<br>coverage<br>verified. | 10/23/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 9 years and 1 month at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 FICO exceeds program min allowable of 620. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has 1% revolving credit utilization. | Complete |
| &nbsp;&nbsp;&nbsp;1068 | XXXXXX | XXXXXX | VA (No<br>Data) | ATR/<br>QM:<br>Exempt D | Credit | Credit/Mtg<br>History | Satisfied C A | CRDCRMH1805 | Debts/<br>obligations not<br>disclosed/<br>accounted for<br>at origination | No | Missing<br>evidence<br>properties<br>are free and<br>clear and<br>evidence of<br>PITI per<br>1003 or<br>sold: XXX<br>$949.09;<br>HOI, PITI<br>XXX<br>$1013.27;<br>HOI, PITI<br>XXX<br>$2,280.66;<br>HOI, Piti<br>XXX<br>$828.53 and<br>HOA<br>monthly fee;<br>XXX<br>$2,866.30;<br>HOI, PITI<br>XXX<br>$1,448.47<br>and HOA<br>monthly fee;<br>XXX sold;<br>XXX<br>$424.96 and<br>HOA<br>monthly fee;<br>HOI XXX<br>$1,014.66;<br>HOI XXX<br>$3,376.50;<br>HOI, PITI<br>XXX<br>$1,769.34;<br>HOI XXX<br>sold. | 10/28/2025:<br>Received<br>proof XXX<br>and XXX<br>sold.<br>Received<br>HOI info on<br>all REOs. | 10/28/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history - Clayton Comments: Borrower has no history of delinquents accounts. CFCFS1739: Positive mortgage payment history - Clayton Comments: Per credit report, no major derogatory mortgage payment history. CFCFS5269: Minimal use of credit - Clayton Comments: Revolving credit usage is under 42%. | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;1068 | XXXXXX | XXXXXX | VA (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Income/<br>Employment | Satisfied C A | CRDINC2488 | Verbal<br>verification<br>of<br>employment<br>missing | No | Received<br>verification<br>of business<br>license.<br>Provide<br>complete<br>3rd-party<br>verification<br>of<br>employment. | 8/25/2025:<br>Print out<br>Received<br>cannot be<br>read and<br>screen shot<br>has a small<br>screenshot of<br>actual<br>VVOE.<br>Provide<br>larger copy.<br>8/26/2025:<br>Received full<br>screenshot of<br>VVOE. | 8/25/2025:<br>Exception<br>remains.<br>8/26/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history - Clayton Comments: Borrower has no history of delinquents accounts. CFCFS1739: Positive mortgage payment history - Clayton Comments: Per credit report, no major derogatory mortgage payment history. CFCFS5269: Minimal use of credit - Clayton Comments: Revolving credit usage is under 42%. | Complete |
| &nbsp;&nbsp;&nbsp;1068 | XXXXXX | XXXXXX | VA (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Title | Satisfied D A | CRDTIL796 | Missing<br>Title | No | Missing<br>Title | 8/19/2025:<br>Received<br>Title<br>Commitment. | 8/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history - Clayton Comments: Borrower has no history of delinquents accounts. CFCFS1739: Positive mortgage payment history - Clayton Comments: Per credit report, no major derogatory mortgage payment history. CFCFS5269: Minimal use of credit - Clayton Comments: Revolving credit usage is under 42%. | Complete |
| &nbsp;&nbsp;&nbsp;655 | XXXXXX | XXXXXX | WA (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 9 years at current job. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 32.97 is below max of 50%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 6.2 years at current residence. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: No mortgage lates on credit history. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $477,057.80 exceeds $44235 required by DU. | Complete |
| &nbsp;&nbsp;&nbsp;153 | XXXXXX | XXXXXX | PA (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Application | Active D | CRDAPP130 | Application<br>is<br>incomplete | Yes | Updated<br>1003<br>required to<br>identify<br>what<br>properties<br>the HELOCs<br>with XXX<br>and XXX<br>are attached<br>to.<br>Statements<br>in file<br>reflects<br>active<br>HELOCs<br>however<br>1003 REO<br>schedule<br>does not<br>identify<br>which<br>property<br>they are<br>attached to<br>and<br>statements<br>do not<br>identify<br>what<br>property is<br>collateral.<br>Additional<br>exceptions<br>may apply. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: B1 has 9 years 7 months in same line of work for Entity 1 and 8 years in same line of work for Entity 2. B2 has 17 years in same line of work. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 29 mos. 0x30, 15 mos. 0x30, 33 mos. 0x30, 45 mos. 0x30, 49 mos. 0x30, 16 mos. 0x30 and 4 mos. 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 784 exceeds program requirement 620. | Complete |
| &nbsp;&nbsp;&nbsp;153 | XXXXXX | XXXXXX | PA (No<br>Data) | ATR/<br>QM:<br>Exempt D | Credit | Assets | Active C | CRDAST3078 | Insufficient

# of months<br>cash<br>reserves for<br>PITI per<br>guideline<br>requirements | Yes | Updated DU<br>AUS/<br>1003/1008<br>required to<br>address alert

#21 to<br>ensure<br>required<br>reserves on<br>DU is<br>accurate.<br>HELOCs<br>reflect as<br>open/active<br>mortgages<br>on CBR<br>however<br>were not<br>attached to a<br>property.<br>DU alert

#21 requires<br>all open/<br>active<br>mortgages to<br>be entered<br>on<br>application<br>to ensure<br>AUS<br>required<br>reserves are<br>accurate.<br>Loan must<br>still meet<br>reserves<br>requirement<br>upon review<br>of updated<br>DU AUS.<br>Additional<br>exceptions<br>may apply. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: B1 has 9 years 7 months in same line of work for Entity 1 and 8 years in same line of work for Entity 2. B2 has 17 years in same line of work. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 29 mos. 0x30, 15 mos. 0x30, 33 mos. 0x30, 45 mos. 0x30, 49 mos. 0x30, 16 mos. 0x30 and 4 mos. 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 784 exceeds program requirement 620. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;153 | XXXXXX | XXXXXX | PA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | DTI | Active D | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject PITI | Yes | 1. Missing<br>documentation<br>to verify HOA<br>expense of<br>$53.67 used to<br>qualify for<br>XXX<br>property. 2.<br>Missing<br>borrower<br>letter of<br>explanation or<br>other<br>satisfactory<br>documentation<br>to verify no<br>HOA expense<br>for XXX as<br>qualified with. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: B1 has 9 years 7 months in same line of work for Entity 1 and 8 years in same line of work for Entity 2. B2 has 17 years in same line of work. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 29 mos. 0x30, 15 mos. 0x30, 33 mos. 0x30, 45 mos. 0x30, 49 mos. 0x30, 16 mos. 0x30 and 4 mos. 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 784 exceeds program requirement 620. | Complete |
| &nbsp;&nbsp;&nbsp;153 | XXXXXX | XXXXXX | PA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Income/<br>Employment | Active B | CRDINC2496 | Verbal<br>verification<br>of<br>employment<br>completed<br>outside the<br>stated<br>requirements<br>and/or after<br>closing/<br>funding | No | Missing<br>verification<br>XXX has been<br>in business at<br>least 5 years<br>to support<br>earnings<br>calculation<br>using only<br>2024 returns.<br>Verbal<br>Verification in<br>file only<br>confirms<br>borrower filed<br>as XXX in the<br>prior year. If<br>unable to<br>verify 5 years<br>in business<br>complete copy<br>2023<br>K1/1120S for<br>business<br>required.<br>Additional<br>exceptions<br>may apply. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: B1 has 9 years 7 months in same line of work for Entity 1 and 8 years in same line of work for Entity 2. B2 has 17 years in same line of work. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 29 mos. 0x30, 15 mos. 0x30, 33 mos. 0x30, 45 mos. 0x30, 49 mos. 0x30, 16 mos. 0x30 and 4 mos. 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 784 exceeds program requirement 620. | Complete |
| &nbsp;&nbsp;&nbsp;153 | XXXXXX | XXXXXX | PA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Terms/<br>Guidelines | Active C | CRDTER3122 | Loan<br>documents<br>do not meet<br>guideline<br>requirements | Yes | Missing<br>clarification if<br>XXX #XXX<br>is secured by<br>XXX or XXX.<br>Loan<br>summary<br>provided<br>reflects<br>property<br>address is<br>XXX however<br>no REO with<br>address of<br>XXX was<br>disclosed on<br>1003 REO.<br>Additional<br>exceptions<br>may apply. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: B1 has 9 years 7 months in same line of work for Entity 1 and 8 years in same line of work for Entity 2. B2 has 17 years in same line of work. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 29 mos. 0x30, 15 mos. 0x30, 33 mos. 0x30, 45 mos. 0x30, 49 mos. 0x30, 16 mos. 0x30 and 4 mos. 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 784 exceeds program requirement 620. | Complete |
| &nbsp;&nbsp;&nbsp;153 | XXXXXX | XXXXXX | PA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation: No<br>CU score<br>established.<br>Clayton to<br>order desk<br>review. | 10/31/2025:<br>Received<br>CDA<br>supporting<br>value<br>within<br>tolerance (-<br>2.30%). | 10/31/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: B1 has 9 years 7 months in same line of work for Entity 1 and 8 years in same line of work for Entity 2. B2 has 17 years in same line of work. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 29 mos. 0x30, 15 mos. 0x30, 33 mos. 0x30, 45 mos. 0x30, 49 mos. 0x30, 16 mos. 0x30 and 4 mos. 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 784 exceeds program requirement 620. | Complete |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 11.42 yrs tenure with current employer CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no late pay/derog line items. 769 median credit score, Oldest Trade 10/2001 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 98 consecutive months mortgage payment history exceeds guideline 24 month credit review | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;895 | XXXXXX | XXXXXX NH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU returned<br>no score (2<br>unit).<br>Clayton to<br>order Desk<br>Review. | 11/3/2025: Received<br>CDA supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV OF 51.09 % is below max LTV 70%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 33.19is below max of 50%. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: No mortgages lates on past 2 years on credit report. | Complete |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | XXXXXX MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>returned no<br>score.<br>Clayton to<br>order Desk<br>Review. | 11/4/2025: Received<br>CDA supporting<br>value. | 11/4/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 26 years in current XXX job CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history | Complete |
| &nbsp;&nbsp;&nbsp;137 | XXXXXX | XXXXXX CA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient<br>Funds to Close | No | Missing the<br>XXX<br>Certificate<br>of Deposit

#XXX,

#XXX,

#XXX<br>supporting a<br>combined<br>value of<br>$186,041.47<br>in liquid<br>funds.<br>Multiple<br>copies of

#XXX<br>provided.

#XXX<br>transfer<br>$22,102.41<br>vs stated<br>$46,680.49 | 11/13/2025:<br>Statements provided<br>show transactions<br>but no<br>balances.11/17/2025:<br>Received print out<br>dated 7/22/2025<br>showing balance.<br>Loan now shows<br>sufficient funds to<br>close. | 11/13/2025:<br>Exception<br>remains.<br>11/17/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 17.167 yrs tenure with current XXX business. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 65 consecutive months mortgage payment history exceeds 24 month credit review per guidelines. CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no late pay/derog line items. 739 Median Credit Score, 1/1990 Oldest Trade Line. | Complete |
| &nbsp;&nbsp;&nbsp;137 | XXXXXX | XXXXXX CA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts<br>Are<br>Unsupported<br>by<br>Documentation<br>in File | No | Missing the<br>XXX<br>Certificate<br>of Deposit

#XXX,

#XXX,

#XXX<br>supporting a<br>combined<br>value of<br>$186,041.47<br>in liquid<br>funds.<br>Multiple<br>copies of

#XXX<br>provided.

#XXX<br>transfer<br>$22,102.41<br>vs stated<br>$46,680.49 | 11/13/2025:<br>Statements provided<br>show transactions<br>but no<br>balances.11/17/2025:<br>Received print out<br>dated 7/22/2025<br>showing balance.<br>Loan now shows<br>sufficient funds to<br>close. | 11/13/2025:<br>Exception<br>remains.<br>11/17/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 17.167 yrs tenure with current XXX business. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 65 consecutive months mortgage payment history exceeds 24 month credit review per guidelines. CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no late pay/derog line items. 739 Median Credit Score, 1/1990 Oldest Trade Line. | Complete |
| &nbsp;&nbsp;&nbsp;137 | XXXXXX | XXXXXX CA | (No<br>Data) | ATR/<br>QM:<br>Exempt D | Credit | Legal<br>Documents | Satisfied D A | CRDLGL2996 | Missing Trust<br>Documents | No | Missing<br>Trust<br>documents | 11/13/2025:<br>Received Cert of<br>Trust. | 11/13/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 17.167 yrs tenure with current XXX business. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 65 consecutive months mortgage payment history exceeds 24 month credit review per guidelines. CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no late pay/derog line items. 739 Median Credit Score, 1/1990 Oldest Trade Line. | Complete |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;137 | XXXXXX | XXXXXX CA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | UCDP<br>score not<br>provided.<br>Clayton to<br>order a<br>Desk<br>Review. | 11/3/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 17.167 yrs tenure with current XXX business. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 65 consecutive months mortgage payment history exceeds 24 month credit review per guidelines. CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no late pay/derog line items. 739 Median Credit Score, 1/1990 Oldest Trade Line. | Complete |
| &nbsp;&nbsp;&nbsp;124 | XXXXXX | XXXXXX NC | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $56,416.19 exceed required of $14,953.47. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 30.12% is below Guidelines 45% maximum. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 68.81% is below Guideline 75% maximum. | Complete |
| &nbsp;&nbsp;&nbsp;133 | XXXXXX | XXXXXX NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Title | Satisfied C A | CRDTIL875 | Title<br>Does Not<br>Agree<br>With<br>Mortgage | No | Missing<br>fully<br>executed<br>Quit Claim<br>Deed<br>removing<br>property<br>from XXX<br>to<br>borrowers<br>as<br>individuals.<br>Copy of<br>Quit Claim<br>in file is<br>not<br>executed. | 11/14/2025:<br>Received<br>QCD and<br>fully<br>executed<br>docs<br>required. | 11/14/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 7 years and 7 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 750 > 130 points of minimum guideline requirements of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 39.41% is above the minimum program requirements of 45% | Complete |
| &nbsp;&nbsp;&nbsp;133 | XXXXXX | XXXXXX NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>No CU<br>score<br>established.<br>Clayton to<br>order desk<br>review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>Satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 7 years and 7 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 750 > 130 points of minimum guideline requirements of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 39.41% is above the minimum program requirements of 45% | Complete |
| &nbsp;&nbsp;&nbsp;444 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 8 years and 8 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 80.00% LTV below guideline requirements of 90.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 704 is 84 points above program guideline minimum of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.16% DTI is below guideline requirement of 50.00%. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;777 | XXXXXX | XXXXXX | NJ | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 28.16 is below Guidelines 45% maximum. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 65% is below Guidelines 85% maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $356,966.43 exceed $14,274.63 required. | Complete |
| &nbsp;&nbsp;&nbsp;445 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA -<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | 1. Missing<br>borrower<br>letter of<br>explanation or<br>other<br>satisfactory<br>documentation<br>to support no<br>HOA expense<br>on XXX, as<br>qualified with.<br>2. Missing<br>XXX HELOC<br>\* XXX<br>monthly bill<br>or other<br>satisfactory<br>documentation<br>to support the<br>$2,139.00<br>monthly<br>payment is for<br>XXX<br>property. | 11/6/2025:<br>Received<br>single page<br>for XXX.<br>Clayton<br>verified on<br>XXX, no<br>HOA. Item

#1 cleared.<br>Lender<br>indicates<br>HELOC is on<br>credit report,<br>top of page 2.<br>Clayton<br>agrees. Item

#2 removed. | 11/6/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 19.22% is below Guidelines 45% maximum. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30,0x60,0x90 with 50 month history reviewed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $5,102.61 exceed $0.00 reserves required. | Complete |
| &nbsp;&nbsp;&nbsp;445 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI | No | 1. Missing<br>borrower<br>letter of<br>explanation or<br>other<br>satisfactory<br>documentation<br>to support no<br>HOA expense<br>on XXX, as<br>qualified with.<br>2. Missing<br>XXX XXX<br>HELOC \*<br>XXX monthly<br>bill or other<br>satisfactory<br>documentation<br>to support the<br>$2,139.00<br>monthly<br>payment is for<br>XXX<br>property. | 11/6/2025:<br>Received<br>single page<br>for XXX.<br>Clayton<br>verified on<br>XXX, no<br>HOA. Item

#1 cleared.<br>Lender<br>indicates<br>HELOC is on<br>credit report,<br>top of page 2.<br>Clayton<br>agrees. Item

#2 removed. | 11/6/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 19.22% is below Guidelines 45% maximum. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30,0x60,0x90 with 50 month history reviewed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $5,102.61 exceed $0.00 reserves required. | Complete |
| &nbsp;&nbsp;&nbsp;445 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Title | Satisfied D A | CRDTIL796 | Missing<br>Title | No | Provide<br>missing title. | 11/6/2025:<br>Received<br>Title<br>Commitment. | 11/6/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 19.22% is below Guidelines 45% maximum. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30,0x60,0x90 with 50 month history reviewed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $5,102.61 exceed $0.00 reserves required. | Complete |
| &nbsp;&nbsp;&nbsp;445 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score is<br>>2.5. Clayton<br>to order desk<br>review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value within<br>tolerance (-<br>2.00%). | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 19.22% is below Guidelines 45% maximum. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30,0x60,0x90 with 50 month history reviewed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $5,102.61 exceed $0.00 reserves required. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/QM<br>Status** | **Loan Level<br>ATR/QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;135 | XXXXXX | XXXXXX | WI | QM: Safe<br>Harbor<br>(APOR) | QM: Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have occupied primary residence for 12 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 8.05% CFCFS2860: Good credit history - Clayton Comments: Consumer debt: 0x30 x greater than 99 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-closing assets $38,465.50 (10.81 months PITIA reserves) > min required reserves of $0.00 | Complete |
| &nbsp;&nbsp;&nbsp;130 | XXXXXX | XXXXXX | MI | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Rebuttable<br>Presumption<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 726 > is above guideline minimum credit score 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $238,992.27 or 86.56 months of PITI(A). AUS reserves requirement $25,605.05. | Complete |
| &nbsp;&nbsp;&nbsp;136 | XXXXXX | XXXXXX | NJ | (No Data) | ATR/QM:<br>Exempt D A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset<br>documentation<br>is insufficient<br>per guideline<br>requirements | No | Missing<br>current asset<br>statements<br>for the<br>following<br>assets used<br>in AUS<br>approval:<br>Savings<br>$255,111.62,<br>Retirement<br>$73,183.94.<br>LP requires<br>two months<br>statement.<br>Only one<br>month in the<br>file. | 11/13/2025:<br>Received<br>LP #12<br>showing<br>one month<br>statements<br>required -<br>XXX

#XXX and<br>XXX. | 11/13/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 77.27/ Max is 80% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 34 mos. mtg. payment history exceeds guideline min. requirement of 12 mos. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 801/ minimum 620 | Complete |
| &nbsp;&nbsp;&nbsp;136 | XXXXXX | XXXXXX | NJ | (No Data) | ATR/QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA score ><br>2.5. Clayton<br>to order desk<br>review. | 11/4/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/4/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 77.27/ Max is 80% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 34 mos. mtg. payment history exceeds guideline min. requirement of 12 mos. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 801/ minimum 620 | Complete |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | XXXXXX | TN | (No Data) | ATR/QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 796. Minimum required 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $190,703.13 or 127.64 months PITI reserves. Required reserves $133,587.30 | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;146 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | UCDP<br>FHLMC in<br>file however,<br>no score<br>included.<br>Clayton to<br>order desk<br>review. | 11/3/2025<br>Received<br>desk<br>review.<br>Value<br>supported<br>with 0%<br>variance. | 11/3/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 159 months. | Complete |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA returned<br>no score<br>(Manufactured<br>Home).<br>Clayton to<br>order Desk<br>Review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 793 is 173 points above minimum program requirement of 620. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 48 months mortgage payment history 0X30 | Complete |
| &nbsp;&nbsp;&nbsp;175 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>3.0. Clayton<br>to order Desk<br>Review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 5 yrs 10 mos CFCFS2860: Good credit history - Clayton Comments: All tradelines paid as agreed CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 796 exceeds GL 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves $159,456.31 = 58.34 months PITIA | Complete |
| &nbsp;&nbsp;&nbsp;154 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 701 FICO score exceeds minimum FICO score by 81 points CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been at job over 4 years and B2 has been with current employer over 20 years CFCFS3836: Borrower Net Worth - Clayton Comments: Brwrs have over 400k in IRA account and receiving over 140k back at closing. | Complete |
| &nbsp;&nbsp;&nbsp;785 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>LCA score is<br>"N/A".<br>Clayton to<br>order desk<br>review. | 11/3/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 33%/max 50% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $519,587.22 (118.37 months PITIA reserves) > min required reserves of $0.00 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO 784/minimum 620 | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;142 | XXXXXX | XXXXXX | TN | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU Score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 5 years and 10 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX with XXX for 7 years and 4 months. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage payment history is for 58 months when 12 months are required. | Complete |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan<br>approved<br>with a PIW.<br>Clayton to<br>order BPO. | 11/3/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance<br>(-2.60%). | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 26 years on current job | Complete |
| &nbsp;&nbsp;&nbsp;152 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Credit | Credit/<br>Mtg<br>History | Active B | CRDCRMH193 | Length of<br>mortgage/<br>rental<br>history in<br>file does<br>not meet<br>guideline<br>requirement | No | Missing<br>Verification<br>of Rent for<br>the primary<br>residence<br>housing<br>history<br>covering 6<br>months,<br>required<br>per DU<br>findings. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $465,482.08 is $229,461.50 greater than the $236,020.58 reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 795 is 175 points above the 620 FICO required. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 17 years in profession. | Complete |
| &nbsp;&nbsp;&nbsp;152 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No CU<br>score in the<br>file.<br>Clayton to<br>order desk<br>review. | 11/3/2025<br>Received<br>desk<br>review.<br>Value<br>supported<br>with 0%<br>variance. | 11/3/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $465,482.08 is $229,461.50 greater than the $236,020.58 reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 795 is 175 points above the 620 FICO required. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 17 years in profession. | Complete |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | CO | (No<br>Data) | ATR/<br>QM:<br>Exempt D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or<br>CU) score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 FICO score exceeds minimum FICO requirement by 168 points CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Rental income for subject excluded and B1 has bonus income that was also excluded. CFCFS3836: Borrower Net Worth - Clayton Comments: Borrowers have 193k verified post close reserves | Complete |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;149 | XXXXXX | XXXXXX CA | (No<br>Data) | ATR/<br>QM:<br>Exempt D C A | Credit | Assets | Active C | CRDAST205 | Insufficient<br>Funds to<br>Close | Yes | The final<br>closing<br>disclosure<br>indicates<br>funds<br>needed to<br>close of<br>$204,370.95;<br>of which<br>$189,651.45<br>has been<br>verified.<br>Evidence to<br>support the<br>remaining<br>funds to<br>close of<br>$14,719.50<br>was not<br>located in<br>the loan file.<br>Final 1003<br>shows<br>additional<br>assets but<br>statements<br>are not in the<br>file: XXX

#XXX.<br>Also, if the<br>$49K EMD<br>could be<br>verified, this<br>would cure<br>funds to<br>close<br>shortage. | 11/13/2025:<br>Received<br>XXX<br>statement<br>for #XXX<br>and #XXX<br>for 7/2025<br>and 6/2025.<br>This was<br>already in<br>the original<br>PDF. | 11/13/2025:<br>Exception<br>remains. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 804 FICO score. Minimum required 620.<br> CFCFS2854: Significant time in profession - Clayton Comments: Borrower has maintained stable employment in the XXX for 21 years. | Complete |
| &nbsp;&nbsp;&nbsp;149 | XXXXXX | XXXXXX CA | (No<br>Data) | ATR/<br>QM:<br>Exempt D C A | Credit | Assets | Active C | CRDAST3078 | Insufficient

# of months<br>cash<br>reserves for<br>PITI per<br>guideline<br>requirements | Yes | Loan is short<br>reserves<br>$70,235.92.<br>Provide<br>additional<br>asset<br>statements to<br>meet<br>requirement. | 11/13/2025:<br>Received<br>XXX<br>statement<br>for #XXX<br>and #XXX<br>for 7/2025<br>and 6/2025.<br>This was<br>already in<br>the original<br>PDF. | 11/13/2025:<br>Exception<br>remains. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 804 FICO score. Minimum required 620.<br> CFCFS2854: Significant time in profession - Clayton Comments: Borrower has maintained stable employment in the XXX for 21 years. | Complete |
| &nbsp;&nbsp;&nbsp;149 | XXXXXX | XXXXXX CA | (No<br>Data) | ATR/<br>QM:<br>Exempt D C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU returned<br>no score.<br>Clayton to<br>order desk<br>review. | 11/4/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/4/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 804 FICO score. Minimum required 620.<br> CFCFS2854: Significant time in profession - Clayton Comments: Borrower has maintained stable employment in the XXX for 21 years. | Complete |
| &nbsp;&nbsp;&nbsp;290 | XXXXXX | XXXXXX FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 11/3/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 17 years at primary residence<br> CFCFS2860: Good credit history - Clayton Comments: 0 x 30 in 77 months | Complete |
| &nbsp;&nbsp;&nbsp;290 | XXXXXX | XXXXXX FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 11/3/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 17 years at primary residence<br> CFCFS2860: Good credit history - Clayton Comments: 0 x 30 in 77 months | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;643 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU<br>score 2.7<br>is >2.5.<br>Clayton<br>to order<br>desk<br>review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 793 > is above guideline minimum credit score 620. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 18 years. | Complete |
| &nbsp;&nbsp;&nbsp;178 | XXXXXX | XXXXXX | NC | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Credit | Income/<br>Employment | Active B | CRDINC3204 | Income<br>Documentation<br>Missing | No | DU<br>findings<br>require a<br>Cash<br>Flow<br>Analysis<br>in the<br>file for<br>any<br>XXX<br>income<br>being<br>used to<br>qualify.<br>The file<br>is<br>missing<br>a Cash<br>Flow<br>Analysis<br>(Form<br>1084) | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 35% CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 8 years at current primary residence | Complete |
| &nbsp;&nbsp;&nbsp;178 | XXXXXX | XXXXXX | NC | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | DU<br>approved<br>with a<br>CU<br>score of<br>3.7;<br>Clayton<br>to order<br>a BPO | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value<br>within<br>tolerance<br>(-4.73%). | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 35% CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 8 years at current primary residence | Complete |
| &nbsp;&nbsp;&nbsp;176 | XXXXXX | XXXXXX | AZ | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession - Clayton Comments: B1 - 21 years in profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 fico score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $318353.67 or 117.46 months of P&I | Complete |
| &nbsp;&nbsp;&nbsp;425 | XXXXXX | XXXXXX | FL | (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 755 is 135 points above the 620 FICO required. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrowers have 7 years 8 months at current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $33,890.97 is $16,125.43 greater than the $17,765.54 reserves required. | Complete |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;442 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 706 is 86 points above minimum program requirement of 620. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 19 months mortgage payment history 0x30. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 178 months. | Complete |
| &nbsp;&nbsp;&nbsp;120 | XXXXXX | XXXXXX NJ | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU returns no<br>score (4 unit).<br>Clayton to<br>order desk<br>review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 qualifying score exceeds guideline minimum of 620 CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned primary / current residence for 10+ years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $612,481.46 or 131.82 months PITI | Complete |
| &nbsp;&nbsp;&nbsp;651 | XXXXXX | XXXXXX NJ | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI | No | Missing<br>borrower<br>letter of<br>explanation or<br>other<br>satisfactory<br>documentation<br>to verify no<br>HOA fee for<br>XXX as<br>qualified with. | 11/14/2025:<br>Received<br>screenshot<br>of REO.<br>Has<br>minimal<br>info.<br>Clayton<br>verified on<br>XXX, no<br>HOA. | 11/14/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $121,213.17 or 39.84 months of PITI Required PITI Reserves are $3042.59 x 6 = $18,255.54 CFCFS1737: LTV below guideline requirements - Clayton Comments: Maximum LTV 85%, Current LTV 75% CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has no history of late payments | Complete |
| &nbsp;&nbsp;&nbsp;651 | XXXXXX | XXXXXX NJ | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation: CU<br>score is >2.5.<br>Clayton to<br>order desk<br>review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $121,213.17 or 39.84 months of PITI Required PITI Reserves are $3042.59 x 6 = $18,255.54 CFCFS1737: LTV below guideline requirements - Clayton Comments: Maximum LTV 85%, Current LTV 75% CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has no history of late payments | Complete |
| &nbsp;&nbsp;&nbsp;446 | XXXXXX | XXXXXX GA | (No<br>Data) | ATR/<br>QM:<br>Exempt D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA returned<br>3 score.<br>Clayton to<br>order desk<br>review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 6.5 years at current job CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x40 mortgage payment history CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 credit score; Minimum FICO is 620 | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;649 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance<br>Effective<br>date is<br>greater<br>than the<br>transaction<br>date | No | HOI policy in<br>file effective<br>XXX; missing<br>prior policy to<br>cover lapse in<br>period.<br>Disbursement<br>date XXX | 11/11/2025:<br>Received<br>HOI for<br>XXX. | 11/11/2025:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 39.76 below max of 43% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 70.0% below max of 95% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 766 exceeds minimum of 620 | Complete |
| &nbsp;&nbsp;&nbsp;437 | XXXXXX | XXXXXX | WA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 180 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $58,796.15 (19.53 months PITIA reserves) > min required reserves of $18,066.34 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 726 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;837 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is PIW<br>approved.<br>Clayton to<br>order BPO. | 11/3/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job > 8 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 21.36% below guideline requirement 45.00% | Complete |
| &nbsp;&nbsp;&nbsp;837 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW. Clayton<br>to order BPO. | 11/3/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job > 8 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 21.36% below guideline requirement 45.00% | Complete |
| &nbsp;&nbsp;&nbsp;717 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D C | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Active D | CMPATRQM3220 | TILA -<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to<br>complete<br>the ATR/<br>QM<br>review<br>and render<br>an<br>accurate<br>ATR/QM<br>status. | Yes | Missing<br>borrower<br>letter of<br>explanation or<br>other<br>satisfactory<br>documentation<br>to support no<br>HOA for<br>XXX, XXX,<br>XXX. XXX,<br>XXX and<br>XXX. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV 69.90% below program maximum 75.00%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 9 mos. 0x30, 49 mos. 0x30, 48 mos. 0x30, and 41 mos. 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 784 above program requirement 620. | Complete |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;717 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason or<br>not timely<br>disclosed;<br>refund<br>required<br>within 60 days<br>of<br>consummation | No | $50 Zero<br>Percent<br>Tolerance<br>Violation due<br>to increase in<br>Transfer taxes<br>from $2202 to<br>$2252 without<br>a valid<br>Change in<br>Circumstance.<br>Requires CIC,<br>or corrected<br>PCCD, copy<br>of refund<br>check, LOX<br>and<br>verification of<br>shipping. | 11.10.2025<br>Lender<br>provided<br>50.00<br>principal<br>reduction | 11.10.2025<br>Exception<br>Satisfied (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV 69.90% below program maximum 75.00%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 9 mos. 0x30, 49 mos. 0x30, 48 mos. 0x30, and 41 mos. 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 784 above program requirement 620. | Complete |
| &nbsp;&nbsp;&nbsp;717 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D C | Credit | Assets | Active D | CRDAST2670 | Asset<br>documentation<br>is insufficient<br>per guideline<br>requirements | Yes | Missing<br>complete copy<br>of XXX XXX<br>asset<br>statements.<br>Only page 1 in<br>file for<br>7/28/2025<br>statement.<br>Missing page<br>4 of 6/26/2025<br>statement.<br>Any large<br>deposits must<br>be explained<br>and<br>documented.<br>Without<br>account loan<br>would not<br>meet reserves<br>requirement. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV 69.90% below program maximum 75.00%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 9 mos. 0x30, 49 mos. 0x30, 48 mos. 0x30, and 41 mos. 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 784 above program requirement 620. | Complete |
| &nbsp;&nbsp;&nbsp;717 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D C | Credit | DTI | Active D | CRDDTI2540 | Missing<br>verification of<br>some or all<br>components of<br>non-subject<br>PITI | Yes | Missing<br>borrower<br>letter of<br>explanation or<br>other<br>satisfactory<br>documentation<br>to support no<br>HOA for<br>XXX, XXX,<br>XXX. XXX,<br>XXX and<br>XXX. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV 69.90% below program maximum 75.00%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 9 mos. 0x30, 49 mos. 0x30, 48 mos. 0x30, and 41 mos. 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 784 above program requirement 620. | Complete |
| &nbsp;&nbsp;&nbsp;717 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D C | Credit | Legal<br>Documents | Satisfied D A | CRDLGL2277 | Note Not<br>Executed | No | Missing<br>signature page<br>of Note page 4 | 11/5/2025:<br>Received<br>fully executed<br>Note. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV 69.90% below program maximum 75.00%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 9 mos. 0x30, 49 mos. 0x30, 48 mos. 0x30, and 41 mos. 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 784 above program requirement 620. | Complete |
| &nbsp;&nbsp;&nbsp;717 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation: CU<br>score is > 2.5.<br>Clayton to<br>order desk<br>review. | 11/3/2025:<br>Received<br>CDA not<br>supporting<br>value -<br>Indeterminate. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV 69.90% below program maximum 75.00%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 9 mos. 0x30, 49 mos. 0x30, 48 mos. 0x30, and 41 mos. 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 784 above program requirement 620. | Complete |

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;717 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D C | Property<br>Valuations | Value | Active C | PRVAVALU5249 | Property<br>Value<br>Not<br>Supported | Yes | 11/3/2025:<br>Exception<br>added after<br>review of<br>trailing docs:<br>CDA<br>received with<br>Indeterminate<br>value.<br>Clayton to<br>order 2055<br>Exterior Only<br>report. | 11.11.25<br>Field<br>Review<br>received<br>value not<br>supported<br>variance -<br>32.86%.<br>Lender to<br>order full<br>appraisal. | 11.11.25<br>Exception<br>Remains. | Not<br>Applicable | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV 69.90% below program maximum 75.00%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 9 mos. 0x30, 49 mos. 0x30, 48 mos. 0x30, and 41 mos. 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 784 above program requirement 620. | Complete |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | XXXXXX | KS | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 23% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | Complete |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | XXXXXX | GA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower demonstrates positive mortgage payment history. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 228 months credit history exceeds guidelines. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence 21 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 11+ months reserves exceeds guidelines. | Complete |
| &nbsp;&nbsp;&nbsp;718 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score is<br>>2.5. Clayton<br>to order desk<br>review. | 11/3/2025<br>Received<br>desk<br>review.<br>Value<br>supported<br>with 0%<br>variance. | 11/3/2025<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for over 22 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 26 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report reflects a mortgage payment history of 0x30x99. | Complete |
| &nbsp;&nbsp;&nbsp;435 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU returned<br>no score.<br>Clayton to<br>order Desk<br>Review. | 11/4/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/4/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Min fico 640; borrower fico 773 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI below max 50%; DTI 44.94% CFCFS1737: LTV below guideline requirements - Clayton Comments: Max LTV 85%; Borrower LTV 70% | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | XXXXXX | AZ | (No Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 800 > is above guideline minimum credit score 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $51,901.22 or 23.25 months of PITIA. AUS Reserves Required $20,586.46. | Complete |
| &nbsp;&nbsp;&nbsp;519 | XXXXXX | XXXXXX | WA | (No Data) | ATR/<br>QM:<br>Exempt D A | Credit | Terms/<br>Guidelines | Satisfied D A | CRDTER2548 | Missing<br>AUS or<br>AUS errors<br>present | No | Missing<br>the<br>complete<br>DU for<br>submission

#7. | 11/6/2025:<br>Received<br>DU #8 run<br>9/16/2025.<br>Parameters<br>still met. | 11/6/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 73.11% is below the maximum of 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified Credit Score 784 which exceeds the guideline minimum of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $163,411.74 or 50.15 months of PITIA which exceeds the required PITIA Reserves of $26,349.49 or 8.09 months PITIA | Complete |
| &nbsp;&nbsp;&nbsp;719 | XXXXXX | XXXXXX | WA | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 25 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 4 years 6 months at current job | Complete |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | XXXXXX | CA | (No Data) | ATR/<br>QM:<br>Exempt D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI | No | Missing<br>fully<br>executed<br>lease for<br>property<br>located at:<br>XXX for<br>$2,625/mo. | 11/14/2025:<br>Received<br>Form 1007<br>showing<br>$3,500<br>Market<br>Rent =<br>$2,625/mo<br>after 25%<br>vacancy<br>factor. | 11/14/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $383,415.68 Required PITI Reserves = $26,426.06 CFCFS1739: Positive mortgage payment history - Clayton Comments: positive mortgage history with no lates or derogatory events 0X30,60,90 days. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 770/minimum 620 | Complete |
| &nbsp;&nbsp;&nbsp;647 | XXXXXX | XXXXXX | AZ | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Compliance | Compliance<br>Manual | Satisfied D A | CMPMAN2956 | Missing<br>disclosure | No | File is<br>missing<br>Closing<br>Disclosure<br>signed at<br>closing.<br>Borrower<br>1 e-signed<br>CD on<br>XXX;<br>however,<br>Borrower<br>2 did not<br>sign. | 11.11.2025<br>- Final CD<br>received for<br>both. | 11.11.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been XXX for 18 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves are $48,899.26 Required reserves are $16,780.83 per DU | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;647 | XXXXXX | XXXXXX | AZ | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD:<br>Loan<br>consummated<br>before end of<br>waiting<br>period | No | Final LE<br>XXX is<br>not signed<br>and there<br>is no<br>evidence in<br>file of<br>when it<br>was<br>delivered<br>to<br>borrower.<br>Delivery<br>method<br>defaults to<br>the<br>mailbox<br>rule. | 11.11.2025<br>- LE XXX<br>e sign<br>summary<br>received. | 11.11.2025<br>- Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been XXX for 18 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves are $48,899.26 Required reserves are $16,780.83 per DU | Complete |
| &nbsp;&nbsp;&nbsp;647 | XXXXXX | XXXXXX | AZ | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Income/<br>Employment | Satisfied D A | CRDINC152 | Missing<br>verbal VOE<br>required by<br>guidelines | No | Missing<br>business<br>license or<br>CPA letter<br>or other<br>form of<br>verification<br>of the<br>borrowers<br>business. | 11/11/2025:<br>Received<br>proof<br>business is<br>active. | 11/11/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been XXX for 18 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves are $48,899.26 Required reserves are $16,780.83 per DU | Complete |
| &nbsp;&nbsp;&nbsp;647 | XXXXXX | XXXXXX | AZ | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Legal<br>Documents | Satisfied D A | CRDLGL2996 | Missing<br>Trust<br>Documents | No | Trust<br>documents<br>are missing | 11.11.2025<br>- Trust doc<br>received. | 11.11.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been XXX for 18 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves are $48,899.26 Required reserves are $16,780.83 per DU | Complete |
| &nbsp;&nbsp;&nbsp;775 | XXXXXX | XXXXXX | GA | (No Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has > 6 years at current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence > 3 years. | Complete |
| &nbsp;&nbsp;&nbsp;456 | XXXXXX | XXXXXX | CA | (No Data) | ATR/<br>QM:<br>Exempt D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 11/3/2025<br>Received<br>BPO.<br>Value<br>supported<br>within<br>1.23%<br>variance. | 11/3/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 17% | Complete |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;456 | XXXXXX | XXXXXX | CA (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 11/3/2025<br>Received<br>BPO.<br>Value<br>supported<br>within<br>1.23%<br>variance. | 11/3/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 17% | Complete |
| &nbsp;&nbsp;&nbsp;842 | XXXXXX | XXXXXX | WA (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been in position 15 years, 1 month CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $151,140.46 or 26.40 months PITI which exceeds the required reserves amount of $33,271.74 or 5.81 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified credit score 791 exceeds the guideline minimum of 620. | Complete |
| &nbsp;&nbsp;&nbsp;447 | XXXXXX | XXXXXX | CA (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>is not<br>available.<br>Clayton<br>to order<br>desk<br>review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 42.79% is below Guidelines 45% maximum. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30,0x60,0x90 with 99 months reviewed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $93,488.20 exceed $30,126.60 required. | Complete |
| &nbsp;&nbsp;&nbsp;778 | XXXXXX | XXXXXX | NC (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 11/7/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance<br>(-1.82%). | 11/7/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report reflects a mortgage rating of 0x30x84. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $260,812.58 or 58.83 months of PITI reserves. None required CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 794 exceeds min score requirement of 620. | Complete |
| &nbsp;&nbsp;&nbsp;778 | XXXXXX | XXXXXX | NC (No<br>Data) | ATR/<br>QM:<br>Exempt D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 11/7/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance<br>(-1.82%). | 11/7/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report reflects a mortgage rating of 0x30x84. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $260,812.58 or 58.83 months of PITI reserves. None required CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 794 exceeds min score requirement of 620. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;840 | XXXXXX | XXXXXX | MA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation:<br>No LCA<br>score<br>established.<br>Clayton to<br>order desk<br>review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 3.5yrs tenure with current XXX business. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 114 consecutive months mortgage payment history exceeds 24 credit month review per guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.08% DTI below maximum allowed 45% DTI per guidelines. CFCFS2860: Good credit history - Clayton Comments: Good credit history with only one aged late dated 8/2019. 755 Median Credit Score, Oldest Trade 8/2011 | Complete |
| &nbsp;&nbsp;&nbsp;780 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV 75.00% below program maximum 85.00%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 42 mos. 0x30. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 years in same line of work. | Complete |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 12 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 750 is 130 points above the 620 FICO required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 50% is 25% below the 75% LTV allowed. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 14 years 5 months at current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $499,489.39 is $443,355.49 greater than the $56,133.90 reserves required. | Complete |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU Score<br>2.9.<br>Clayton to<br>order Desk<br>Review. | 11/3/2025<br>Received<br>desk<br>review.<br>Value<br>supported<br>with 0%<br>variance. | 11/3/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 59.32 is below max of 75% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 12 years at current job. CFCFS1739: Positive mortgage payment history - Clayton Comments: No mortgage lates on credit history | Complete |
| &nbsp;&nbsp;&nbsp;664 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>CDA to<br>support<br>appraisal;<br>CU score<br>5.0 | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 68.57% < guideline maximum CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned primary / current residence for 24 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 qualifying score exceeds guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $790,995.29 reserves in file or 100.75 months PITI > required guidelines | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;721 | XXXXXX | XXXXXX | FL | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 25.67 years CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned the primary residence 15 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 credit score; Minimum required 620 | Complete |
| &nbsp;&nbsp;&nbsp;450 | XXXXXX | XXXXXX | WA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score of<br>2.6 is >2.5.<br>Clayton to<br>order desk<br>review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 credit score; 620 minimum required FICO CFCFS2854: Significant time in profession - Clayton Comments: B1 has 10 years in the same profession CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x46 mortgage payment history | Complete |
| &nbsp;&nbsp;&nbsp;17 | XXXXXX | XXXXXX | FL | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI | No | Missing<br>verification of<br>the primary<br>residence<br>PITIA. (Final<br>ALTA page<br>984: Taxes<br>$1,059.69/mo,<br>HOI<br>$525.67/mo.<br>No HOA).<br>Need P&I<br>info. | 11/14/2025:<br>Received<br>CD<br>showing<br>$6,551.12<br>PITI. | 11/14/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 757 is 137 points above the 620 FICO required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 51.15% is 33.85% below the 85% LTV allowed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $150,108.91 is $115,270.55 greater than the $34,838.36 reserves required. | Complete |
| &nbsp;&nbsp;&nbsp;1026 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence 3 years. CFCFS2860: Good credit history - Clayton Comments: Borrower demonstrates good credit history. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower demonstrates positive mortgage payment history. | Complete |
| &nbsp;&nbsp;&nbsp;2 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Compliance | Compliance<br>Manual | Satisfied D A | CMPMAN2956 | Missing<br>disclosure | No | Per Document<br>Package<br>Audit Report,<br>a Closing<br>Disclosure<br>was issued on<br>XXX which is<br>missing from<br>file. | 11.5.2025 -<br>ICD<br>received. | 11.5.2025 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 fico score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $61496.17 or 26.94 months of P&I | Complete |

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;2 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD:<br>Loan<br>consummated<br>before end of<br>waiting period | No | Missing<br>initial CD<br>acknowledged<br>by borrower a<br>minimum of 3<br>days prior to<br>closing. | 11.5.2025<br>- ICD<br>received. | 11.5.2025<br>-<br>Exception<br>satisfied | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 fico score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $61496.17 or 26.94 months of P&I | Complete |
| &nbsp;&nbsp;&nbsp;2 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3640 | TRID - CD:<br>Zero tolerance<br>fee or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason or<br>the revised<br>LE/CD was<br>not timely<br>disclosed;<br>insufficient<br>credit or<br>refund<br>provided | No | Zero<br>tolerance in<br>the amount of<br>$198.40 as<br>Appraisal Fee<br>increased on<br>LE XXX and<br>Transfer<br>Taxes<br>increased on<br>CD XXX. A<br>lender credit<br>in the amount<br>of $150.00 for<br>increase in<br>Closing Costs<br>above legal<br>limit was<br>disclosed on<br>CD XXX;<br>however, an<br>additional<br>$48.40 is<br>required.<br>Pending<br>receipt of a<br>valid Change<br>of<br>Circumstance<br>for Appraisal<br>Fee increase<br>or Post CD<br>reflecting<br>lenders cure,<br>LOX, a copy<br>of refund and<br>proof of<br>delivery<br>including<br>shipping<br>details and<br>tracking<br>information. | 11.5.2025<br>- COC<br>provided | 11.5.2025<br>-<br>Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 fico score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $61496.17 or 26.94 months of P&I | Complete |
| &nbsp;&nbsp;&nbsp;2 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No LCA<br>UCDP.<br>Clayton to<br>order Desk<br>Review. | 11/3/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 fico score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $61496.17 or 26.94 months of P&I | Complete |
| &nbsp;&nbsp;&nbsp;660 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>Clayton to<br>order desk<br>review. | 11/3/2025<br>Received<br>desk<br>review.<br>Value<br>supported<br>within 0%<br>tolerance. | 11/3/2025<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 712 > is above guideline minimum credit score 620. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV: 75% is 10 points below the program guideline maximum 85%. | Complete |
| &nbsp;&nbsp;&nbsp;841 | XXXXXX | XXXXXX | WA | (No<br>Data) | ATR/<br>QM:<br>Exempt D B | Credit | Insurance | Active B | CRDINSR3278 | Hazard<br>Insurance<br>documentation<br>in file is<br>incomplete | No | Provide HOI<br>premium<br>amount as<br>noted on Final<br>CD for<br>$64.42/mo<br>escrow =<br>$773.04. | (No Data) | (No Data) | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 qualifying score exceeds guideline min CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 68.05% < guideline maximum | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;841 | XXXXXX | XXXXXX | WA | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No<br>UCDP<br>provided.<br>Clayton<br>to order<br>Desk<br>Review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 qualifying score exceeds guideline min CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 68.05% < guideline maximum | Complete |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 6 years and 1 month CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 755 is 135 points above program guideline minimum of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.73% DTI is below guideline requirement of 50.00%. | Complete |
| &nbsp;&nbsp;&nbsp;439 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No<br>UCDP in<br>the file.<br>Clayton<br>to order<br>Desk<br>Review. | 11/3/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: CBR score of 733 exceeds the 620 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $473,084.72 (382.15 months PITIA reserves) > min required of $2,7,15.19 | Complete |
| &nbsp;&nbsp;&nbsp;466 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or<br>CU)<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value<br>within<br>tolerance<br>(-6.67%). | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: On job since 6/19/1995. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: CBR score of 720 exceeds the 620 required. | Complete |
| &nbsp;&nbsp;&nbsp;465 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No CU<br>score.<br>Clayton<br>to order<br>desk<br>review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 FICO score exceeds minimum FICO requirements by 146 points CFCFS1734: Borrower has significant time at current job - Clayton Comments: Brwr has been at current job 15 years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is below 40% CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Brwr qualifies without using rental income on subject | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;16 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation<br>product in<br>file.<br>Clayton to<br>order<br>Desk<br>Review. | 11/4/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/4/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 31.39% LTV below guideline requirements of 75.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 11 years and 7 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 808 is 188 points above program guideline minimum of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: 19.86% DTI is below guideline requirement of 50.00%. | Complete |
| &nbsp;&nbsp;&nbsp;1070 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 20 years in same line of work. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $75,619.64 or 39.02 months of PITI. DU AUS required reserves of $11,680.61. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 7 years 10 months at current job. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 9 years 2 months at current residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV 67.57% below program maximum 75.00%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 39 mos. 0x30 and 36 mos. 0x30. | Complete |
| &nbsp;&nbsp;&nbsp;1071 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3961 | TRID -<br>CD: The<br>amount of<br>the periodic<br>escrow<br>payment in<br>the<br>Projected<br>Payments<br>section<br>does not<br>equal the<br>periodic<br>escrow<br>payment<br>disclosed in<br>the Loan<br>Disclosures<br>section | No | Final CD<br>Loan<br>Disclosure<br>Section<br>Escrows,<br>Non<br>Escrow<br>total not<br>disclosed<br>as to what<br>is<br>included.<br>LOX and<br>re-<br>disclosed<br>CD within<br>60 days of<br>discovery.<br>Name non<br>escrowed<br>costs. | 08.20.2025<br>- Client<br>provided<br>same CD:<br>The issue<br>is the Final<br>CD XXX<br>Section:<br>Projected<br>Payments,<br>Message:<br>The<br>Estimated<br>Monthly<br>Escrow<br>Payment<br>for Band 1<br>is<br>$1,172.47<br>which does<br>not match<br>the loan<br>disclosure<br>section;<br>Monthly<br>Escrow<br>Payment,<br>Value<br>$948.33.<br>Values<br>should<br>match.<br>130(b) or<br>(c) cure:<br>client<br>permission,<br>LOX and<br>redisclosed<br>CD within<br>60 days of<br>discovery.<br>10.27.2025<br>- LOX and<br>PCCD<br>received. | 08.20.2025<br>-Exception<br>remains<br>10.27.2025<br>-Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Minimum fico 620; Borrower fico 751. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has bonus income from XXX that is not used to qualify. | Complete |
| &nbsp;&nbsp;&nbsp;1071 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU Score<br>>2.5; CU<br>Score 3.<br>Clayton to<br>order<br>Desk<br>Review. | 8/14/2025:<br>Received<br>CDA<br>supporting<br>value. | 8/14/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Minimum fico 620; Borrower fico 751. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has bonus income from XXX that is not used to qualify. | Complete |
| &nbsp;&nbsp;&nbsp;1072 | XXXXXX | XXXXXX | MN | (No<br>Data) | ATR/<br>QM:<br>Exempt D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI | No | Missing<br>Tax<br>Certificate<br>for XXX \<br>with<br>monthly<br>payment<br>of<br>$739.00<br>has not<br>been<br>uploaded<br>by the<br>Lender. | 7/21/2025:<br>Received<br>tax info. | 7/21/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 71.428% LTV for Subject Property is below guideline max LTV of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 795 > 175 points above guideline program minimum of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 16.96% is below the minimum program requirement of 45%. | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;1072 | XXXXXX | XXXXXX | MN | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR275 | Completed<br>"Subject To"<br>w/o<br>Completion<br>Cert in File | No | Missing Form<br>442/1004d<br>completion<br>report for<br>subject<br>property. | 10/23/2025:<br>Received<br>1004D<br>indicating<br>complete. | 10/23/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 71.428% LTV for Subject Property is below guideline max LTV of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 795 > 175 points above guideline program minimum of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 16.96% is below the minimum program requirement of 45%. | Complete |
| &nbsp;&nbsp;&nbsp;1072 | XXXXXX | XXXXXX | MN | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Clayton to<br>Order CDA to<br>Support value<br>of XXX. LCA<br>has no score<br>reporting. | 7/14/2025:<br>Received desk<br>review<br>supporting<br>value. | 7/14/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 71.428% LTV for Subject Property is below guideline max LTV of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 795 > 175 points above guideline program minimum of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 16.96% is below the minimum program requirement of 45%. | Complete |
| &nbsp;&nbsp;&nbsp;1073 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | No | Missing proof<br>monthly<br>property taxes<br>for B primary<br>residence -<br>lender used<br>$528.75. | 7/14/2025:<br>Received tax<br>and HOI info<br>totaling<br>$528.76/month.<br>Verified no<br>HOA on XXX. | 7/14/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: B is in the same profession for 9 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 53 months Mortgage payment history exceeds the minimum amount required per the lender guidelines CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score exceeds the minimum amount required per lender guidelines 620 | Complete |
| &nbsp;&nbsp;&nbsp;1073 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero tolerance<br>fail for<br>$175.00.<br>Condo<br>Questionnaire<br>fee of $175.00<br>added to final<br>CD XXX. No<br>documentation<br>provided<br>disclosing<br>addition of<br>fee. Please<br>provide Letter<br>of<br>explanation,<br>corrected<br>Closing<br>Disclosure,<br>refund, proof<br>of delivery<br>within 60 days<br>of<br>consummation<br>to cure. | 10.23.2025 -<br>PCCD, LOX<br>and refund<br>check for $175<br>and delivery<br>received. | 10.23.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: B is in the same profession for 9 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 53 months Mortgage payment history exceeds the minimum amount required per the lender guidelines CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score exceeds the minimum amount required per lender guidelines 620 | Complete |
| &nbsp;&nbsp;&nbsp;1073 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Credit | DTI | Active B | CRDDTI105 | Debt Ratio<br>Exception 5%<br>or Less | No | LP AUS DTI<br>39%. DTI<br>43.61. Lender<br>did not<br>include $XXX<br>Alimony to<br>DTI. AUS<br>must be<br>updated. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: B is in the same profession for 9 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 53 months Mortgage payment history exceeds the minimum amount required per the lender guidelines CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score exceeds the minimum amount required per lender guidelines 620 | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;1073 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification of<br>some or all<br>components<br>of non-subject<br>PITI | No | Missing proof<br>monthly<br>property taxes<br>for B primary<br>residence -<br>lender used<br>$XXX. | 7/14/2025:<br>Received<br>tax and<br>HOI info<br>totaling<br>$XXX/<br>month.<br>Verified no<br>HOA on<br>XXX. | 7/14/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: B is in the same profession for 9 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 53 months Mortgage payment history exceeds the minimum amount required per the lender guidelines CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score exceeds the minimum amount required per lender guidelines 620 | Complete |
| &nbsp;&nbsp;&nbsp;1073 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No LCA<br>score -<br>Clayton to<br>order desk<br>review. | 7/11/2025:<br>Received<br>desk review<br>supporting<br>value. | 7/11/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: B is in the same profession for 9 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 53 months Mortgage payment history exceeds the minimum amount required per the lender guidelines CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score exceeds the minimum amount required per lender guidelines 620 | Complete |
| &nbsp;&nbsp;&nbsp;1088 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero<br>Tolerance Fee<br>of $59<br>(Credit-In<br>File) fee<br>increased<br>from LE $168<br>to LE $277.<br>Missing a<br>valid Change<br>of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of<br>refund check<br>to borrower. | 10.23.2025<br>-COC<br>provided. | 10.23.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in his profession for 35 years CFCFS1736: Significant time at current residence - Clayton Comments: The borrower have occupied the primary residence for 23 years 3 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 28.26% and guidelines allow the DTI to be 50% | Complete |
| &nbsp;&nbsp;&nbsp;1074 | XXXXXX | XXXXXX | PA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A C | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule;<br>Clayton's<br>status<br>determination<br>places loan in<br>a riskier status<br>than the<br>Lender's<br>status<br>determination. | No | Loan declared<br>QM Safe<br>Harbor<br>(APOR) from<br>lender/client;<br>Clayton status<br>is NONQM<br>due to fees<br>too high<br>(adjusted<br>charges are<br>$9,306.50,<br>max allowed<br>is $4,659.31;<br>$4,647.19 too<br>high). | 10/23/2025:<br>Received<br>fully<br>executed<br>Business<br>Purpose<br>Affidavit.<br>Non-QM<br>loan. | 10/23/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $41,802.55 or 31.93 months of PITI. DU AUS required reserves of $10,718.48. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 11 years at current job. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 20 years 2 months at current residence. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 36 mos. 0x30 and 16 mos. 0x30. | Complete |
| &nbsp;&nbsp;&nbsp;1074 | XXXXXX | XXXXXX | PA | (No<br>Data) | ATR/<br>QM:<br>Exempt D C | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CMPATRQM2904 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; is not a<br>Qualified<br>Mortgage. | No | Loan declared<br>QM Safe<br>Harbor<br>(APOR) from<br>lender/client;<br>Clayton status<br>is NONQM<br>due to fees<br>too high<br>(adjusted<br>charges are<br>$9,306.50,<br>max allowed<br>is $4,659.31;<br>$4,647.19 too<br>high). | 10/23/2025:<br>Received<br>fully<br>executed<br>Business<br>Purpose<br>Affidavit.<br>Non-QM<br>loan. | 10/23/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $41,802.55 or 31.93 months of PITI. DU AUS required reserves of $10,718.48. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 11 years at current job. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 20 years 2 months at current residence. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 36 mos. 0x30 and 16 mos. 0x30. | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;1074 | XXXXXX | XXXXXX | PA (No<br>Data) | ATR/<br>QM:<br>Exempt D A C | Compliance | RESPA | Satisfied B A | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | ABA is not on<br>file. | 10/23/2025:<br>Received<br>fully<br>executed<br>Business<br>Purpose<br>Affidavit.<br>Non-QM<br>loan. | 10/23/2025:<br>Exception<br>auto-<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $41,802.55 or 31.93 months of PITI. DU AUS required reserves of $10,718.48. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 11 years at current job. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 20 years 2 months at current residence. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 36 mos. 0x30 and 16 mos. 0x30. | Complete |
| &nbsp;&nbsp;&nbsp;1074 | XXXXXX | XXXXXX | PA (No<br>Data) | ATR/<br>QM:<br>Exempt D A C | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI | No | Missing<br>borrower letter<br>of explanation<br>or other<br>satisfactory<br>documentation<br>to support no<br>HOA expense<br>for XXX<br>property as<br>qualified with. | 10/23/2025:<br>Clayton<br>verified<br>$31/month<br>HOA on<br>XXX. | 10/23/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $41,802.55 or 31.93 months of PITI. DU AUS required reserves of $10,718.48. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 11 years at current job. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 20 years 2 months at current residence. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 36 mos. 0x30 and 16 mos. 0x30. | Complete |
| &nbsp;&nbsp;&nbsp;1075 | XXXXXX | XXXXXX | ID (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LPA > 2.5;<br>Clayton to order<br>desk review. | 7/14/2025:<br>Received<br>desk review<br>supporting<br>value. | 7/14/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 FICO exceeds program min allowable of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.23% DTI is below program max allowable of 45%. | Complete |
| &nbsp;&nbsp;&nbsp;1076 | XXXXXX | XXXXXX | NC (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Terms/<br>Guidelines | Satisfied D A | CRDTER2548 | Missing<br>AUS or<br>AUS errors<br>present | No | Updated DU<br>AUS required to<br>include the tax/<br>insurance<br>expense of<br>$792.27 for<br>XXX in the DTI<br>calculation.<br>Inclusion of the<br>expense<br>increases the<br>DTI expense<br>over 3%<br>tolerance. DU<br>AUS<br>recommendation<br>must remain<br>Approve/<br>Eligible. | 10/28/2025:<br>Received<br>updated<br>Final 1003<br>and AUS.<br>DTI is<br>42.06%. | 10/28/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no lates. CFCFS3836: Borrower Net Worth - Clayton Comments: Client has over 1M in IRA which was not included in asset calculation. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 credit score significantly exceeds minimum FICO of 620. | Complete |
| &nbsp;&nbsp;&nbsp;1076 | XXXXXX | XXXXXX | NC (No<br>Data) | ATR/<br>QM:<br>Exempt D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU Score ><br>2.5%. Clayton<br>to order Desk<br>Review. | 8/15/2025:<br>Received<br>CDA<br>supporting<br>value. | 8/15/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no lates. CFCFS3836: Borrower Net Worth - Clayton Comments: Client has over 1M in IRA which was not included in asset calculation. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 credit score significantly exceeds minimum FICO of 620. | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;1077 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule;<br>Clayton's<br>status<br>determination<br>places loan in<br>a riskier status<br>than the<br>Lender's<br>status<br>determination. | No | XXX is<br>exempt<br>Clayton is<br>Safe Harbor. | 10/28/2025:<br>Received Safe<br>Harbor<br>determination. | 10/28/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers 715 FICO score is above the 620 min. CFCFS1744: DTI below guideline requirement - Clayton Comments: 40.13% DTI is below the 45% max. | Complete |
| &nbsp;&nbsp;&nbsp;1077 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA has no<br>score. Clayton<br>to order desk<br>review. | 8/13/2025:<br>Received<br>CDA<br>supporting<br>value. | 8/13/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers 715 FICO score is above the 620 min. CFCFS1744: DTI below guideline requirement - Clayton Comments: 40.13% DTI is below the 45% max. | Complete |
| &nbsp;&nbsp;&nbsp;1078 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | Finance<br>Charge<br>Tolerance | Satisfied C B | CMPFINT106 | Finance<br>charge<br>understated by<br>more than<br>$100 (Pmt<br>Stream) | No | Lender<br>Calculated<br>Finance<br>Charge per<br>CD dates<br>XXX is<br>$1,195,961.39.<br>Clayton<br>calculated<br>Finance<br>Charge<br>$1,196,166.89<br>for a<br>difference of<br>$205.50. APR<br>fees input are<br>$685<br>Processing,<br>$654<br>Underwriting,<br>$200 Admin,<br>$80 Tax<br>Service, $6<br>Flood cert,<br>$97 VOE,<br>$4624.34<br>Prepaid<br>Interest, $425<br>Settlement, $5<br>E-Recording<br>and $15<br>payoff/delivey<br>fee. | 10.27.2025 -<br>PCCD, LOX,<br>refund for<br>$205.50 and<br>proof of<br>delivery<br>received. | 10.27.2025<br>-Exception<br>satisifed | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have 12 months PITI in reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 747 median FICO >127 points above guideline program minimum of 620. | Complete |
| &nbsp;&nbsp;&nbsp;1080 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance<br>Effective date<br>is greater than<br>the transaction<br>date | No | 10/28/2025:<br>Exception<br>fired after<br>review of<br>trailing docs:<br>Loan closed<br>XXX. HOI<br>policy period<br>is 7/17/2025-<br>7/17/2026.<br>HOI verifies<br>no claims<br>between<br>XXX-<br>7/17/2025. | 10/28/2025:<br>Exception<br>satisfied. | 10/28/2025:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $192,982.68, or 98.73 months of PITIA. Required reserves are $21,951.48. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 28 years at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 763 is 143 points above the 620 FICO required for the program. CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified 26.80% DTI. Max allowed 45%. | Complete |
| &nbsp;&nbsp;&nbsp;1080 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Credit | Insurance | Satisfied D A | CRDINSR3278 | Hazard<br>Insurance<br>documentation<br>in file is<br>incomplete | No | HOI in file is a<br>rate quote and<br>does not<br>provide the<br>insurance<br>effective date<br>and expiration<br>date of the<br>policy. | 10/28/2025:<br>Received<br>verification of<br>coverage<br>XXX-XXX. | 10/28/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $192,982.68, or 98.73 months of PITIA. Required reserves are $21,951.48. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 28 years at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 763 is 143 points above the 620 FICO required for the program. CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified 26.80% DTI. Max allowed 45%. | Complete |

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| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;1080 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No LCA score<br>in file.<br>Clayton to<br>order Desk<br>Review. | 8/14/2025:<br>Received<br>CDA<br>supporting<br>value. | 8/14/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $192,982.68, or 98.73 months of PITIA. Required reserves are $21,951.48. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 28 years at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 763 is 143 points above the 620 FICO required for the program. CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified 26.80% DTI. Max allowed 45%. | Complete |
| &nbsp;&nbsp;&nbsp;1081 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA -<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | 1. Missing<br>proof of<br>insurance for<br>XXX to<br>support<br>$803.10 tax/<br>insurance/<br>used to<br>qualify. 2.<br>Missing<br>borrower<br>LOX to<br>support no<br>HOA expense<br>for XXX as<br>qualified with.<br>3. Missing<br>proof that<br>XXX is one<br>and the same<br>as XXX. Docs<br>in file to<br>document tax/<br>insurance<br>expense for<br>XXX reflects<br>property<br>address of<br>XXX. If XXX<br>is a separate<br>property Final<br>1003 must be<br>disclosed with<br>all REO<br>owned and<br>tax/insurance<br>expense needs<br>verified for<br>XXX<br>.Additional<br>exceptions<br>may apply. | 10/28/2025:<br>Received<br>docs to<br>show no<br>HOA on<br>XXX and<br>that XXX<br>is the same<br>address,<br>and also<br>received<br>docs for<br>XXX. | 10/28/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 15 years 3 months at current job. CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV 75.00% below program maximum 80%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 40 mos. 0x30. | Complete |
| &nbsp;&nbsp;&nbsp;1081 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI | No | 1. Missing<br>proof of<br>insurance for<br>XXX. to<br>support<br>$803.10tax/<br>insurance/<br>used to<br>qualify. 2.<br>Missing<br>borrower<br>LOX to<br>support no<br>HOA expense<br>for XXX as<br>qualified with.<br>3. Missing<br>proof that<br>XXX is one<br>and the same<br>as XXX. Docs<br>in file to<br>document tax/<br>insurance<br>expense for<br>XXX reflects<br>property<br>address of<br>XXX. If XXX<br>is a separate<br>property Final<br>1003 must be<br>disclosed with<br>all REO<br>owned and<br>tax/insurance<br>expense needs<br>verified for<br>XXX.<br>Additional<br>exceptions<br>may apply. | 10/28/2025:<br>Received<br>docs to<br>show no<br>HOA on<br>XXX and<br>that XXX<br>is the same<br>address,<br>and also<br>received<br>docs for<br>XXX. | 10/28/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 15 years 3 months at current job. CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV 75.00% below program maximum 80%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 40 mos. 0x30. | Complete |
| &nbsp;&nbsp;&nbsp;1082 | XXXXXX | XXXXXX | CT | (No<br>Data) | ATR/<br>QM:<br>Exempt C A | Credit | Credit/<br>Mtg<br>History | Satisfied C A | CRDCRMH1805 | Debts/<br>obligations<br>not<br>disclosed/<br>accounted<br>for at<br>origination | No | Missing<br>documentation<br>for 1003<br>stated debt:<br>XXX #XXX,<br>$1,656/month. | 10/28/2025:<br>Received<br>docs for<br>new car<br>laon. | 10/28/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: B1 has 14.67 years in the same profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $119,728.54 or 37.47 months PITI meeting LP reserve requirement of $19,170.18. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned primary residence 5 years. | Complete |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA -<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | Loan File is<br>missing<br>evidence of<br>annual<br>property Tax<br>amount for the<br>subject<br>property used<br>to qualify of<br>approx<br>$XXX/year | 11/3/2025:<br>Received<br>verification<br>of $XXX/<br>month<br>taxes.<br>Lender<br>used an<br>estimate to<br>yield higher<br>estimated<br>amount. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 728 Guidelines allow 620 CFCFS2860: Good credit history - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $62,717.74 or 17.62 months of PITIA Reserves Required per AUS = $48,823.06 | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | Compliance<br>Manual | Satisfied D A | CMPMAN2956 | Missing<br>disclosure | No | Loan<br>Estimate<br>Missing.<br>COC in loan<br>file dated<br>XXX to<br>include WA<br>foreclosure<br>Prevention<br>fee. No LE to<br>follow. | 11/17/25 -<br>Lender<br>provided<br>LE dated<br>XXX. | 11/17/25 -<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 728 Guidelines allow 620 CFCFS2860: Good credit history - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $62,717.74 or 17.62 months of PITIA Reserves Required per AUS = $48,823.06 | Complete |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3676 | TRID - CD:<br>Ten percent<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation. | No | $39.80 Ten<br>Percent<br>Tolerance<br>Violation due<br>to increase in<br>recording fees<br>at or prior to<br>closing<br>without a<br>valid Change<br>in<br>Circumstance.<br>Requires CIC,<br>or corrected<br>PCCD, copy<br>of refund<br>check, LOX<br>and<br>verification of<br>shipping. | 11/17/25 -<br>Lender<br>provided<br>COC<br>showing<br>the<br>increase in<br>recording<br>fees. | 11/17/25 -<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 728 Guidelines allow 620 CFCFS2860: Good credit history - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $62,717.74 or 17.62 months of PITIA Reserves Required per AUS = $48,823.06 | Complete |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Terms/<br>Guidelines | Satisfied C A | CRDTER3122 | Loan<br>documents do<br>not meet<br>guideline<br>requirements | No | Loan File is<br>missing<br>evidence of<br>annual<br>property Tax<br>amount for<br>the subject<br>property used<br>to qualify of<br>approx<br>$XXX/year | 11/3/2025:<br>Received<br>verification<br>of $XXX/<br>month<br>taxes.<br>Lender<br>used an<br>estimate to<br>yield<br>higher<br>estimated<br>amount. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 728 Guidelines allow 620 CFCFS2860: Good credit history - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $62,717.74 or 17.62 months of PITIA Reserves Required per AUS = $48,823.06 | Complete |
| &nbsp;&nbsp;&nbsp;605 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Could not<br>find a<br>Affiliate<br>Business<br>Disclosure<br>sent with the<br>early<br>disclosures on<br>6/27/2025 | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 750 exceeds minimum of 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 19.368% below max of 43% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 71.18 below max of 80% | Complete |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Active C | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation | Yes | Zero<br>Tolerance Fee<br>of $5 due to<br>the addition<br>of a Flood<br>certification<br>Fee<br>subsequent to<br>the initial LE.<br>Missing a<br>valid Change<br>of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of<br>refund check<br>to borrower. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in the same profession for 30 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 750. Minimum score required 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Closing assets $78,728.89. Required reserves $63,028.29. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 19.55%. Max 45%. | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;901 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA -<br>List of<br>homeowners<br>counseling<br>organizations<br>not in file | No | Missing List<br>of<br>Homeowners<br>Counseling<br>Organizations. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 10.5 yrs tenure with current self-employed business CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 100 consecutive months mortgage payment history exceeds guideline 24 month credit review. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Excellent credit history with no late pay/derog line items. 794 Median Credit Score, 8/1999 Oldest Trade Line. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Additional documented income not used in qualifying. Base pay paid per drill event. Lender Income $4920.30, YTD $53,358.26/6=$8893.04 per month, additional base of $3972.74 per month not included in analysis. | Complete |
| &nbsp;&nbsp;&nbsp;901 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA/CU<br>score 4.2.<br>Clayton to<br>order Desk<br>Review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 10.5yrs tenure with current self-employed business CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 100 consecutive months mortgage payment history exceeds guideline 24 month credit review. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Excellent credit history with no late pay/derog line items. 794 Median Credit Score, 8/1999 Oldest Trade Line. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Additional documented income not used in qualifying. Base pay paid per drill event. Lender Income $4920.30, YTD $53,358.26/6=$8893.04 per month, additional base of $3972.74 per month not included in analysis. | Complete |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | XXXXXX | WI | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Legal<br>Documents | Satisfied D A | CRDLGL2550 | Missing<br>HUD-1 from<br>sale of<br>property | No | Missing fully<br>executed<br>settlement<br>statement for<br>sale of XXX.<br>Settlement<br>statement in<br>file is not<br>executed or<br>stamped as<br>true copy by<br>closing agent.<br>Executed<br>document to<br>confirm XXX<br>paid off. | 11/14/2025:<br>Received<br>Final<br>HUD1. | 11/14/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 22 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $37,605.20 exceed required reserves $24,722.95. CFCFS2854: Significant time in profession - Clayton Comments: B1 has 13 years in same line of work. | Complete |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | XXXXXX | WI | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation: No<br>CU score<br>established.<br>Clayton to<br>order desk<br>review. | 11/3/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 22 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $37,605.20 exceed required reserves $24,722.95. CFCFS2854: Significant time in profession - Clayton Comments: B1 has 13 years in same line of work. | Complete |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | XXXXXX | WI | (No<br>Data) | ATR/<br>QM:<br>Exempt D | Property<br>Valuations | FEMA | Satisfied C A | PRVAFEMA217 | Natural<br>Disaster<br>Area, no<br>subsequent<br>inspection<br>(Individual) | No | No inspection<br>since the<br>XXX FEMA<br>Disaster<br>XXX. | 11/13/2025:<br>Received<br>clear PDI<br>dated<br>11/6/2025. | 11/13/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 22 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $37,605.20 exceed required reserves $24,722.95. CFCFS2854: Significant time in profession - Clayton Comments: B1 has 13 years in same line of work. | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 10/31/2025:<br>Received<br>BPO<br>supporting<br>value. | 10/31/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Closing assets $702,707.80- XXX $1029= $701,678.80 or 240.14 months PITI reserves. Required reserves $10,734 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 73.45%. Max 90%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 791. Minimum required 620 | Complete |
| &nbsp;&nbsp;&nbsp;1060 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA no score.<br>Clayton to<br>order desk<br>review. | 10/17/2025:<br>Received<br>CDA<br>supporting<br>value. | 10/17/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 736, minimum required by G/L is 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $967,741.03 or 390.46 months of PITI. Required reserves are $25,247.78 CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been xxx for 8 years | Complete |
| &nbsp;&nbsp;&nbsp;95 | XXXXXX | XXXXXX | OH | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Min credit score required 620. File credit score 725. CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI 45% File 16.38% | Complete |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA -<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | Provide<br>borrower<br>letter or<br>applicable<br>documentation<br>to verify XXX<br>property does<br>not have<br>HOA. | 11/6/2025:<br>Received<br>single page<br>from XXX.<br>Revealed<br>no info.<br>Clayton<br>pulled REO<br>info from<br>XXX.<br>There is no<br>HOA. | 11/6/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 28.11% is below Guidelines 45% maximum. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below Guidelines 90% maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $21,173.27 exceed $0.00 required. | Complete |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI | No | Provide<br>borrower<br>letter or<br>applicable<br>documentation<br>to verify XXX<br>property does<br>not have<br>HOA. | 11/6/2025:<br>Received<br>single page<br>from XXX.<br>Revealed<br>no info.<br>Clayton<br>pulled REO<br>info from<br>XXX.<br>There is no<br>HOA. | 11/6/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 28.11% is below Guidelines 45% maximum. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below Guidelines 90% maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $21,173.27 exceed $0.00 required. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Income/<br>Employment | Active B | CRDINC2340 | Employment<br>verification<br>does not<br>meet<br>guidelines | No | Provide<br>explanation of<br>employment<br>gap and/or<br>other<br>applicable<br>supporting<br>documentation<br>to address<br>discrepancy re<br>co-borrower's<br>employment.<br>1003 states<br>co-borrower<br>with current<br>employer<br>since<br>07/28/2023,<br>VOE reflects<br>original hire<br>date<br>05/13/2024<br>and most<br>recent hire<br>date<br>03/26/2025. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 28.11% is below Guidelines 45% maximum. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below Guidelines 90% maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $21,173.27 exceed $0.00 required. | Complete |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score is<br>>2.5. Clayton<br>to order desk<br>review. | 11/3/2025<br>Received<br>desk<br>review.<br>Value<br>supported<br>with 0%<br>variance. | 11/3/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 28.11% is below Guidelines 45% maximum. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below Guidelines 90% maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $21,173.27 exceed $0.00 required. | Complete |
| &nbsp;&nbsp;&nbsp;411 | XXXXXX | XXXXXX | VA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.35% is below Guidelines 45% maximum. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below 85% Guidelines maximum. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30,0x60,0x90 with 99 months reviewed. | Complete |
| &nbsp;&nbsp;&nbsp;603 | XXXXXX | XXXXXX | UT | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements - Clayton Comments: 80.00% LTV below guideline requirements of 85.00% per program. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 7 years CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 10 years and 2 months CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.80% DTI is below guideline requirement of 50.00%. | Complete |
| &nbsp;&nbsp;&nbsp;352 | XXXXXX | XXXXXX | TN | (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 14 years at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO of 716 exceeds guideline score of 620 | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;708 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score<br>could not<br>be<br>assessed.<br>Clayton<br>to order<br>desk<br>review | 11/3/2025<br>Received<br>desk<br>review.<br>Value<br>supported<br>with 0%<br>variance. | 11/3/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 29.7 years current job time CFCFS1736: Significant time at current residence - Clayton Comments: 15 years current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 > min. requirement of 620 CFCFS5269: Minimal use of credit - Clayton Comments: 2.00% revolving credit utilization | Complete |
| &nbsp;&nbsp;&nbsp;315 | XXXXXX | XXXXXX | GA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit - Clayton Comments: 10% consumer credit utilization in file CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying fico is 784. G/l min is 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 23.42 months piti reserves | Complete |
| &nbsp;&nbsp;&nbsp;357 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or<br>CU)<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 11/3/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 FICO score exceeds minimum FICO requirements by 188 points CFCFS1737: LTV below guideline requirements - Clayton Comments: Low LTV of 66% CFCFS1739: Positive mortgage payment history - Clayton Comments: No lates listed for either mortgage listed on credit report along with good credit history | Complete |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | XXXXXX | MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 10/31/2025:<br>Received<br>BPO<br>supporting<br>value. | 10/31/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 778 Guidelines allow 620 CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 35 Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $472,249.11 or 240.80 months of PITIANo Reserves Required per AUS | Complete |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score 3.0.<br>Clayton<br>to order<br>Desk<br>Review. | 11/3/2025<br>Received<br>desk<br>review.<br>Value<br>supported<br>with 0%<br>variance. | 11/3/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8 yrs 8 mos CFCFS1736: Significant time at current residence - Clayton Comments: 5 yrs 6 mos CFCFS2860: Good credit history - Clayton Comments: 0x30 all tradelines CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 exceeds GL 620 | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | XXXXXX | VA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Income/<br>Employment | Active D | CRDINC3204 | Income<br>Documentation<br>Missing | Yes | Missing<br>complete<br>1120S for<br>2024 for<br>the co-<br>borrower<br>to<br>calculate<br>income<br>or loss.<br>Only<br>page 1 of<br>1120S in<br>the file | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 15 years on current job | Complete |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | XXXXXX | VA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score of<br>3.5;<br>Clayton<br>to order a<br>BPO | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 15 years on current job | Complete |
| &nbsp;&nbsp;&nbsp;62 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score not<br>available.<br>Clayton<br>to order<br>desk<br>review. | 11/3/2025<br>Received<br>desk<br>review.<br>Value<br>supported<br>with 0%<br>variance. | 11/3/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.79% is below Guidelines 45% maximum. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 79.97% is below Guidelines 85% maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $64,703.88 exceed $13,933.32 required. | Complete |
| &nbsp;&nbsp;&nbsp;94 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 11/5/2025<br>Received<br>BPO.<br>Value<br>support<br>with<br>+6.67%<br>variance. | 11/5/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history - Clayton Comments: Good Credit History CFCFS1736: Significant time at current residence - Clayton Comments: 18+ Years at current Residence CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 114 Months reporting | Complete |
| &nbsp;&nbsp;&nbsp;94 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 11/5/2025<br>Received<br>BPO.<br>Value<br>support<br>with<br>+6.67%<br>variance. | 11/5/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history - Clayton Comments: Good Credit History CFCFS1736: Significant time at current residence - Clayton Comments: 18+ Years at current Residence CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 114 Months reporting | Complete |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;616 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | No | Missing XXX<br>Award<br>Letters for<br>borrower's 3<br>& 4. | 11/6/2025:<br>Received<br>proof of<br>XXX for<br>both<br>borrowers. | 11/6/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 781 FICO score. Minimum required 620. CFCFS2860: Good credit history - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $79,665.88 or 19. 86 months of PITI.Required PITI Reserves are $0.00 | Complete |
| &nbsp;&nbsp;&nbsp;616 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Income/<br>Employment | Satisfied D A | CRDINC2408 | Income<br>verification<br>does not meet<br>guidelines | No | Missing XXX<br>Award<br>Letters for<br>borrower's 3<br>& 4. | 11/6/2025:<br>Received<br>proof of<br>XXX for<br>both<br>borrowers. | 11/6/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 781 FICO score. Minimum required 620. CFCFS2860: Good credit history - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $79,665.88 or 19. 86 months of PITI.Required PITI Reserves are $0.00 | Complete |
| &nbsp;&nbsp;&nbsp;616 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA risk<br>score is N/A.<br>Clayton to<br>order desk<br>review. | 11/3/2025<br>Received<br>desk<br>review.<br>Value<br>supported<br>with 0%<br>variance. | 11/3/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 781 FICO score. Minimum required 620. CFCFS2860: Good credit history - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $79,665.88 or 19. 86 months of PITI.Required PITI Reserves are $0.00 | Complete |
| &nbsp;&nbsp;&nbsp;618 | XXXXXX | XXXXXX IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero<br>Tolerance Fee<br>of $192.61<br>due to a<br>Credit Report<br>fee being<br>added from<br>LE to CD.<br>Missing a<br>valid Change<br>of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of<br>refund check<br>to borrower. | 11.7.2025<br>- Cure<br>provided<br>via LOX,<br>PCCD,<br>proof of<br>delivery<br>and check<br>for<br>$192.61. | 11.7.2025<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Per VVOE, the co borrower has been employed with current employer for 33 years and 2 months CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current primary residence for 27 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 778 is > the minimum credit score of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 38.48% is < the maximum DTI of 45%. | Complete |
| &nbsp;&nbsp;&nbsp;618 | XXXXXX | XXXXXX IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 11/3/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Per VVOE, the co borrower has been employed with current employer for 33 years and 2 months CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current primary residence for 27 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 778 is > the minimum credit score of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 38.48% is < the maximum DTI of 45%. | Complete |

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;607 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3966 | TRID -<br>CD: The<br>Will Not<br>Have an<br>Escrow<br>Account in<br>the CD<br>Loan<br>Disclosures<br>section is<br>selected<br>and both or<br>neither of<br>You<br>declined it<br>and/or<br>Your<br>lender does<br>not offer<br>one are<br>selected | No | CD XXX:<br>Neither<br>You<br>declined it<br>and/or<br>Your<br>lender does<br>not offer<br>one are<br>selected in<br>the Will<br>Not Have<br>an Escrow<br>Account on<br>the CD<br>Other<br>Disclosures<br>section.<br>Condition<br>is pending<br>LOX with<br>corrected<br>PCD to<br>borrower. | 11.14.2025<br>- PCCD<br>received. | 11.14.2025<br>-Exception<br>satisfied | Non-Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 796 exceeds minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: reserves verified $183617.60 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75.81 below max of 80% | Complete |
| &nbsp;&nbsp;&nbsp;607 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan PIW<br>approved.<br>Clayton to<br>order BPO. | 11/3/2025:<br>Received<br>BPO not<br>supporting<br>value - out<br>of<br>tolerance<br>(-21.33%). | 11/3/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 796 exceeds minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: reserves verified $183617.60 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75.81 below max of 80% | Complete |
| &nbsp;&nbsp;&nbsp;607 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan PIW<br>approved.<br>Clayton to<br>order BPO. | 11/3/2025:<br>Received<br>BPO not<br>supporting<br>value - out<br>of<br>tolerance<br>(-21.33%). | 11/3/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 796 exceeds minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: reserves verified $183617.60 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75.81 below max of 80% | Complete |
| &nbsp;&nbsp;&nbsp;607 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Property<br>Valuations | Value | Active C | PRVAVALU5249 | Property<br>Value Not<br>Supported | Yes | 11/3/2025:<br>Exception<br>added after<br>review of<br>trailing<br>docs: BPO<br>value is<br>21.33%<br>below<br>value.<br>Clayton to<br>order Repo<br>2055<br>Exterior<br>Only. | 11.6.25<br>2055<br>received<br>value not<br>supported<br>$XXX<br>variance -<br>17.33%.<br>Lender to<br>order a full<br>appraisal. | 11.6.25<br>Exception<br>Remains. | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 796 exceeds minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: reserves verified $183617.60 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75.81 below max of 80% | Complete |
| &nbsp;&nbsp;&nbsp;396 | XXXXXX | XXXXXX | MS | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>2.9.<br>Clayton to<br>order desk<br>review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 800 is 180 points above minimum program requirement of 620. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower have 106 months mortgage payment history 0X30 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.28% is below the guideline minimum of 45% | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>is > 2.5.<br>Clayton to<br>order Desk<br>Review. | 11/4/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/4/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 33.96% is below Guidelines 45% maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $25,961.26 exceed required reserves of $6,963.60 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;355 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Min credit score required 620. File credit score 777. CFCFS2854: Significant time in profession - Clayton Comments: 18 years and 0 months at current profession. | Complete |
| &nbsp;&nbsp;&nbsp;349 | XXXXXX | XXXXXX | CO | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score is<br>unavailable.<br>Clayton to<br>order desk<br>review. | (No Data) | Desk<br>review<br>received,<br>value<br>supported.<br>exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.21% is below Guidelines 45% maximum. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75% is below Guidelines 85% maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $600,693.86 exceed DU required of $23,829.01. | Complete |
| &nbsp;&nbsp;&nbsp;398 | XXXXXX | XXXXXX | PA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Clayton to<br>Order CDA<br>to Support<br>value of<br>$XXX | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 785 > 165 points of minimum guideline requirements of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 30.97% is above the minimum program requirements of 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: 64.409% LTV for Subject Property is below guideline max LTV of 75% | Complete |
| &nbsp;&nbsp;&nbsp;588 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 729 FICO score exceeds minimum FICO requirements by 109 points CFCFS1739: Positive mortgage payment history - Clayton Comments: No lates listed for 3 mortgages listed on the credit report CFCFS3836: Borrower Net Worth - Clayton Comments: The brwrs have over 3M post close reserves and getting 427k back at closing | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation | No | Zero<br>Tolerance Fee<br>of $8,340.20<br>due to<br>increase in all<br>Loan Costs<br>on CD XXX-<br>1. Missing<br>Loan<br>Estimates to<br>baseline fees.<br>Missing a<br>valid Change<br>of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of<br>refund check<br>to borrower. | 11.13.2025<br>- Missing<br>LE<br>received. | 11.13.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have post close assets of $559,095.17 or 269.26 months of PITI reserves. Required reserves are $16,170.19. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 13 years & 7 months at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 754 FICO exceeds minimum 620. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower Mortgage payment 0x30x82 | Complete |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3676 | TRID - CD:<br>Ten percent<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation. | No | Ten Percent<br>Tolerance Fee<br>of $81.00 due<br>to increase in<br>Recording<br>Fee in Other<br>Costs Section<br>E CD XXX-<br>1. Missing<br>Loan<br>Estimates to<br>baseline fee.<br>Missing a<br>valid Change<br>of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of<br>refund check<br>to borrower. | 11.13.2025<br>- Missing<br>LE<br>received. | 11.13.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have post close assets of $559,095.17 or 269.26 months of PITI reserves. Required reserves are $16,170.19. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 13 years & 7 months at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 754 FICO exceeds minimum 620. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower Mortgage payment 0x30x82 | Complete |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied D A | CMPTRID3494 | TRID - Loan<br>Estimate<br>Missing | No | Missing Loan<br>Estimate(s)<br>for<br>transaction. | 11.13.2025<br>- Missing<br>LE<br>received. | 11.13.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have post close assets of $559,095.17 or 269.26 months of PITI reserves. Required reserves are $16,170.19. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 13 years & 7 months at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 754 FICO exceeds minimum 620. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower Mortgage payment 0x30x82 | Complete |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score is ><br>2.5. Clayton<br>to order desk<br>review | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have post close assets of $559,095.17 or 269.26 months of PITI reserves. Required reserves are $16,170.19. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 13 years & 7 months at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 754 FICO exceeds minimum 620. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower Mortgage payment 0x30x82 | Complete |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 credit score exceeds minimum FICO requirements by 156 points CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is below 25% CFCFS2860: Good credit history - Clayton Comments: Good credit history with no lates listed | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;392 | XXXXXX | XXXXXX | AL | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 772 above minimum of 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: multiple mortgage history 0x30 over 24 months CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75% below max of 90% | Complete |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 802 > 182 points of minimum guideline requirements of 620. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.648% LTV for Subject Property is below guideline max LTV of 90% CFCFS1744: DTI below guideline requirement - Clayton Comments: Fired in error. cancel. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for the past 38 years and 0 months. | Complete |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | XXXXXX | VA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 760 Guidelines allow 620 CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 14 Years at Current Residence CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 20 Years in Current Profession | Complete |
| &nbsp;&nbsp;&nbsp;364 | XXXXXX | XXXXXX | MD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Legal<br>Documents | Satisfied D A | CRDLGL225 | Missing<br>Rider | No | Missing<br>Second<br>Home<br>Rider. | 11/3/2025:<br>Received<br>2nd Home<br>Rider. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75% is less than the guideline maximum of 90%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified credit score of 805 exceeds the guideline minimum of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets of $549,411.17 or 93.57 months PITI exceeds the AUS required $35,644.98 or 6.07 months reserves. | Complete |
| &nbsp;&nbsp;&nbsp;364 | XXXXXX | XXXXXX | MD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 11/3/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75% is less than the guideline maximum of 90%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified credit score of 805 exceeds the guideline minimum of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets of $549,411.17 or 93.57 months PITI exceeds the AUS required $35,644.98 or 6.07 months reserves. | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;391 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 794 > is above guideline minimum credit score 620. CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 24 years. | Complete |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | XXXXXX | FL | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or<br>CU) score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 10/31/2025:<br>Received<br>CDA<br>supporting<br>value. | 10/31/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 19+ years at primary residence CFCFS2860: Good credit history - Clayton Comments: 0 x 30 in 99 months | Complete |
| &nbsp;&nbsp;&nbsp;400 | XXXXXX | XXXXXX | NC | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 752 fico score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $14020.49 or 7.73 months of PITI | Complete |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | XXXXXX | NV | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>> 2.5.<br>Clayton to<br>order desk<br>review. | 11/3/2025<br>Received<br>desk<br>review.<br>Value<br>supported<br>with 0%<br>variance. | 11/3/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserve $57,159.39 exceed required reserves $20,835.02. CFCFS1736: Significant time at current residence - Clayton Comments: B1 has 6 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO of 794 exceed guideline score of 620. | Complete |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | NV | ATR/<br>QM:<br>Exempt | QM:<br>Safe<br>Harbor<br>(APOR) D C | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Active C | CMPATRQM2900 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule;<br>Clayton's<br>status<br>determination<br>places loan in<br>a riskier status<br>than the<br>Lender's<br>status<br>determination. | Yes | Clayton<br>verified<br>Non-QM<br>due to fees<br>exceeding<br>3% max<br>allowed.<br>Fees<br>charged<br>3.226%<br>include<br>$5,383<br>Discount<br>Fee. Provide<br>XXX<br>Report to<br>verify if<br>bonafide fee<br>is applicable<br>to meet QM<br>requirement. | 11/14/2025:<br>Received<br>QM<br>Findings<br>showing<br>bonafide<br>fee. Loan is<br>now Safe<br>Harbor.<br>Lender<br>verified<br>ATR<br>Exempt. | 11/14/2025:<br>Exception<br>remains. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 673 Guidelines allow 620 CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 20 Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $41,720.60 or 23.82 months of PITIAReserves Required per AUS = $10,534.92 | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | NV | ATR/<br>QM:<br>Exempt | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CMPATRQM2904 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; is not a<br>Qualified<br>Mortgage. | No | Clayton<br>verified<br>Non-QM due<br>to fees<br>exceeding<br>3% max<br>allowed.<br>Fees charged<br>3.226%<br>include<br>$5,383<br>Discount<br>Fee. Provide<br>XXX Report<br>to verify if<br>bonafide fee<br>is applicable<br>to meet QM<br>requirement. | 11/14/2025:<br>Received<br>QM<br>Findings<br>showing<br>bonafide<br>fee. Loan is<br>now Safe<br>Harbor. | 11/14/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 673 Guidelines allow 620 CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 20 Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $41,720.60 or 23.82 months of PITIAReserves Required per AUS = $10,534.92 | Complete |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | NV | ATR/<br>QM:<br>Exempt | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Compliance | RESPA | Active B | CMPRESPA2720 | RESPA - List<br>of<br>homeowner's<br>counseling<br>organizations;<br>insufficient<br>information<br>to confirm<br>timely<br>delivery. | No | HCO does<br>not have a<br>date in the<br>date field. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 673 Guidelines allow 620 CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 20 Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $41,720.60 or 23.82 months of PITIAReserves Required per AUS = $10,534.92 | Complete |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | NV | ATR/<br>QM:<br>Exempt | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Active C | CMPTRID3626 | TRID - CD:<br>Loan<br>consummated<br>before end of<br>waiting<br>period | Yes | The Final LE<br>Dated XXX<br>has no<br>Confirmation<br>of Receipt<br>prior to<br>Initial CD<br>XXX. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 673 Guidelines allow 620 CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 20 Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $41,720.60 or 23.82 months of PITIAReserves Required per AUS = $10,534.92 | Complete |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | NV | ATR/<br>QM:<br>Exempt | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>3.5. Clayton<br>to order<br>Desk<br>Review. | 11/3/2025<br>Received<br>desk<br>review.<br>Value<br>supported<br>with 0%<br>variance. | 11/3/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 673 Guidelines allow 620 CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 20 Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $41,720.60 or 23.82 months of PITIAReserves Required per AUS = $10,534.92 | Complete |
| &nbsp;&nbsp;&nbsp;591 | XXXXXX | XXXXXX | VA | (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession - Clayton Comments: Both borrowers have been in the same profession for 15 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 70%. Max 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 736. Minimum required 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $277,117.58 or 72.81 months PITI reserves. Required reserves $188,930.82 | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;1049 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>reveiw. | 11/4/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/4/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 24.90% DTI is below the 45% max. CFCFS1737: LTV below guideline requirements - Clayton Comments: 41.86% LTV is below the 75% max. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 FICO score is above the 620 min. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $30013.36 in reserves is above the required $3491.36. | Complete |
| &nbsp;&nbsp;&nbsp;629 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>is 2.8.<br>Clayton<br>to order<br>desk<br>review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years and 2 months CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 18 years and 7 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 803 is 183 points above program guideline minimum of 620. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months | Complete |
| &nbsp;&nbsp;&nbsp;52 | XXXXXX | XXXXXX | DE | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 11.10.25<br>BPO<br>received<br>value<br>supported. | 11.10.2025<br>Exception<br>Satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 10 yrs 4 mos CFCFS1734: Borrower has significant time at current job - Clayton Comments: 9 yrs CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 11 yrs 3 mos CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.05% DTI below 45% GL | Complete |
| &nbsp;&nbsp;&nbsp;52 | XXXXXX | XXXXXX | DE | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 11.10.25<br>BPO<br>received<br>value<br>supported. | 11.10.2025<br>Exception<br>Satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 10 yrs 4 mos CFCFS1734: Borrower has significant time at current job - Clayton Comments: 9 yrs CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 11 yrs 3 mos CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.05% DTI below 45% GL | Complete |
| &nbsp;&nbsp;&nbsp;579 | XXXXXX | XXXXXX | NV | (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 5.7 years at current job. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: CB has 5.7 years at current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets of $1,231,879.21 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.23 exceeds max of 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 765 exceeds min score 620. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;600 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 qualifying score exceeds guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $15,968.47 or 7.40 months PITI; no reserves required | Complete |
| &nbsp;&nbsp;&nbsp;482 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 808 > max allowable of 620 CFCFS2860: Good credit history - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $111,605.61 or 50.66 months of PITIAReserves Required per AUS = $6,399.05 | Complete |
| &nbsp;&nbsp;&nbsp;378 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value<br>within<br>tolerance<br>(-9.09%). | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $127,671.79 (369.83 months PITIA reserves) > min required reserves of $12,345.12 CFCFS1736: Significant time at current residence - Clayton Comments: 21 Years and 3 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments: 22 years and 0 months at current profession. CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI 45% File 6.93% | Complete |
| &nbsp;&nbsp;&nbsp;615 | XXXXXX | XXXXXX | OR | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 11/3/2025<br>Received<br>desk<br>review.<br>Value<br>supported<br>with 0%<br>variance. | 11/3/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: CBR score of 773 exceeds the 620 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Actual Reserves $75,038.25, required $39,851.76 | Complete |
| &nbsp;&nbsp;&nbsp;873 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 FICO score is above the 620 min. CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV is below the 90% max. CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.57% DTI is below the 45% max. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $39127.71 in reserves is above the required $7651.81. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;592 | XXXXXX | XXXXXX | FL | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 197+ Months reporting CFCFS1739: Positive mortgage payment history - Clayton Comments: 91+ Months verified CFCFS1736: Significant time at current residence - Clayton Comments: 12+ Years at Current Residence | Complete |
| &nbsp;&nbsp;&nbsp;834 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>LCA<br>score ><br>2.5.<br>Clayton<br>to order<br>desk<br>review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 804 is 184 points above minimum program requirement of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $2,585,159.25 > min required reserves of $24,620.40 | Complete |
| &nbsp;&nbsp;&nbsp;311 | XXXXXX | XXXXXX | MN | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>is not<br>available.<br>Clayton<br>to order<br>desk<br>review | 11/4/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/4/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $210,395.75 or 61.80 months reserves. Required reserves $135,530.97 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 783. Minimum required 620. | Complete |
| &nbsp;&nbsp;&nbsp;1010 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or<br>CU)<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 11/4/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/4/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 764 Guidelines allow 620 CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 13 Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $470,050.42 or 191.84 months of PITIAReserves Required per AUS = $15,771.30 | Complete |
| &nbsp;&nbsp;&nbsp;410 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 11/3/2025<br>Received<br>Desk<br>Review.<br>Value<br>supported<br>within<br>tolerance. | 11/3/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $117,244.82 or 51.81 months of PITIRequired PITI Reserves are $2738.00 x 1.2 months = $2738.00 CFCFS2860: Good credit history - Clayton Comments: Borrower has not history of late payments CFCFS1737: LTV below guideline requirements - Clayton Comments: Max LTV 85%, current LTV 75% | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;388 | XXXXXX | XXXXXX | AZ | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $469,490.50 or 225.66 months of P&I Required Reserves are $0 CFCFS1737: LTV below guideline requirements - Clayton Comments: Maximum LTV 85%, Current LTV 80% CFCFS2860: Good credit history - Clayton Comments: Borrower has no history of late payments | Complete |
| &nbsp;&nbsp;&nbsp;394 | XXXXXX | XXXXXX | WA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been in current position 9 years, 4 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified credit score 751. The minimum credit score is 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $447,023.16 or 96.31 months PITI exceed the required reserves of $209,362.08 or 45.10 months. | Complete |
| &nbsp;&nbsp;&nbsp;306 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>returned<br>no score.<br>Clayton to<br>order<br>deskreview | 11/3/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $58,836.76 or 28.39 months of PITIA > min required reserves of $0.00 CFCFS1736: Significant time at current residence - Clayton Comments: 10 years and 1 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments: 3 years and 0 months at current profession. | Complete |
| &nbsp;&nbsp;&nbsp;27 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan PIW<br>approved.<br>Clayton to<br>order BPO. | 11/3/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 FICO score is above the 620 min. CFCFS1737: LTV below guideline requirements - Clayton Comments: 60% LTV is below the 90% max. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $345570.22 in reserves is above the require $3897.74. | Complete |
| &nbsp;&nbsp;&nbsp;27 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan PIW<br>approved.<br>Clayton to<br>order BPO. | 11/3/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 FICO score is above the 620 min. CFCFS1737: LTV below guideline requirements - Clayton Comments: 60% LTV is below the 90% max. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $345570.22 in reserves is above the require $3897.74. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;332 | XXXXXX | XXXXXX | OR | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU<br>Score<br>3.2.<br>Clayton<br>to order<br>Desk<br>Review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $276,102.11 or 103.86 months of PITIA > min required reserves of $20,094.22 CFCFS1736: Significant time at current residence - Clayton Comments: 28 years at current residence CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 29 years at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 fico score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;79 | XXXXXX | XXXXXX | MS | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 785 is 165 points above program guideline minimum of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.60% DTI is below guideline requirement of 50.00%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 5 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | Complete |
| &nbsp;&nbsp;&nbsp;96 | XXXXXX | XXXXXX | MS | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession - Clayton Comments: 13.8 years in same line of work/profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $833,495.43 or 641.82 months of PITIA. AUS required reserves $77,280.98 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 > min. requirement of 620 | Complete |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 747 mid score > min required of 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.05% DTI below 45% maximum allowed per guidelines CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no late pay/derog line items. 747 Median Credit Score, Oldest Trade 4/1996 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $332,914.74 verified cash reserves exceed guideline required reserves of $14,812.68 | Complete |
| &nbsp;&nbsp;&nbsp;711 | XXXXXX | XXXXXX | IL | (No<br>Data) | ATR/<br>QM:<br>Exempt D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA/<br>CU<br>returned<br>no<br>score.<br>Clayton<br>to order<br>Desk<br>Review. | 10/31/2025:<br>Received<br>CDA<br>supporting<br>value. | 10/31/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 50 months verified/ 6 months required CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 32.89%/max 50% | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;347 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 807 > 187 points of minimum guideline requirements of 620. CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 90% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 38.98% is above the minimum program requirements of 45% | Complete |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Active D | CMPATRQM3220 | TILA -<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to<br>complete<br>the ATR/<br>QM<br>review<br>and render<br>an<br>accurate<br>ATR/QM<br>status. | Yes | Missing fully<br>executed<br>settlement or<br>other<br>satisfactory<br>documentation<br>to support<br>XXX was<br>paid off with<br>sale of XXX<br>property. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 19.10 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: 14.2 years current job time CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 > min. requirement of 620 | Complete |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D A | Credit | Legal<br>Documents | Active D | CRDLGL2550 | Missing<br>HUD-1<br>from sale<br>of<br>property | Yes | Missing fully<br>executed<br>settlement or<br>other<br>satisfactory<br>documentation<br>to support<br>XXX was<br>paid off with<br>sale of XXX<br>property. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 19.10 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: 14.2 years current job time CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 > min. requirement of 620 | Complete |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score is ><br>2.5. Clayton<br>to order desk<br>review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 19.10 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: 14.2 years current job time CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 > min. requirement of 620 | Complete |
| &nbsp;&nbsp;&nbsp;705 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA Risk<br>could not be<br>assessed.<br>Clayton to<br>order desk<br>review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 10.7 years current job time CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 701 > min. requirement of 620 | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;626 | XXXXXX | XXXXXX | NJ | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in the same profession for 25 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 74.24%. Max 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 791. Minimum required 620 | Complete |
| &nbsp;&nbsp;&nbsp;811 | XXXXXX | XXXXXX | FL | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score is<br>3.5;<br>Clayton<br>to order<br>Desk<br>Review. | 11/3/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has minimal use of credit | Complete |
| &nbsp;&nbsp;&nbsp;109 | XXXXXX | XXXXXX | LA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for 6 years. CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 5 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV below guideline requirements of 85% per program. | Complete |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | VA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $419,469.80 (176.09 months PITIA reserves) > min required of $36,156.28 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;634 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Compliance | Compliance<br>Manual | Satisfied D A | CMPMAN2956 | Missing<br>disclosure | No | Provide<br>LE issued<br>XXX, per<br>disclosure<br>tracking. | 11.13.2025<br>- LE XXX<br>received. | 11.13.2025<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 fico score | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;634 | XXXXXX | XXXXXX IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3618 | TRID -<br>Corrected<br>CD should<br>have been<br>provided;<br>Change of<br>Product or<br>Product<br>Feature not<br>disclosed at<br>least 3<br>business days<br>prior to<br>closing | No | Provide LE<br>issued<br>XXX, per<br>disclosure<br>tracking.<br>Provide<br>Initial CD<br>issued<br>XXX.Proof<br>of receipt<br>in file per<br>disclosure<br>tracking. | 11.13.2025<br>- Initial<br>CD and<br>LE<br>received. | 11.13.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 fico score | Complete |
| &nbsp;&nbsp;&nbsp;634 | XXXXXX | XXXXXX IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD:<br>Loan<br>consummated<br>before end of<br>waiting<br>period | No | Provide LE<br>issued<br>XXX, per<br>disclosure<br>tracking.<br>Provide<br>Initial CD<br>issued<br>XXX.Proof<br>of receipt<br>in file per<br>disclosure<br>tracking. | 11.13.2025<br>- Initial<br>CD and<br>LE<br>received | 11.13.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 fico score | Complete |
| &nbsp;&nbsp;&nbsp;634 | XXXXXX | XXXXXX IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD:<br>Missing<br>Initial CD | No | Provide<br>Initial CD<br>issued<br>XXX. | 11.13.2025<br>- Initial<br>CD and<br>LE<br>received | 11.13.2025<br>-<br>Exception<br>satisifed (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 fico score | Complete |
| &nbsp;&nbsp;&nbsp;634 | XXXXXX | XXXXXX IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No LCA/<br>CU Score.<br>Clayton to<br>order Desk<br>Review. | 11/4/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/4/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 fico score | Complete |
| &nbsp;&nbsp;&nbsp;412 | XXXXXX | XXXXXX NC | (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: 23 years and 9 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments: 24 years and 0 months at current profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Min credit score required 620. File credit score 700. | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;635 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence 19+ years. CFCFS2860: Good credit history - Clayton Comments: Borrower demonstrates good credit history no lates on mortgage or credit cards. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 768 > is above guideline minimum credit score 620. | Complete |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | XXXXXX | SC | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession - Clayton Comments: 4506 t signed and dated CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $249779.29 or 96.91 months of P&I CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 812 fico score | Complete |
| &nbsp;&nbsp;&nbsp;699 | XXXXXX | XXXXXX | VA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 739 is 119 points above minimum program requirement of 620. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 167 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $59,939.83 exceed required reserves $15,042.84. | Complete |
| &nbsp;&nbsp;&nbsp;41 | XXXXXX | XXXXXX | NC | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>LCA<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 10/31/2025:<br>Received<br>CDA<br>supporting<br>value. | 10/31/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of747 is above the required 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75 is below the maximum allowable of 85 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 19.88 is below the maximum allowable45 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets: $160,074.61 or 62.58 months of PITIA. Required reserves per LP $15,347.88. | Complete |
| &nbsp;&nbsp;&nbsp;360 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Clayton<br>to Order<br>CDA to<br>Support<br>value of<br>$XXX. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 8 years and 6 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 795 > 175 points of minimum guideline requirements of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 18.72% is above the minimum program requirements of 45% | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/QM<br>Status** | **Loan Level<br>ATR/QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;986 | XXXXXX | XXXXXX | NH | QM: Safe<br>Harbor<br>(APOR) | QM: Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan<br>approved<br>with PIW.<br>Clayton to<br>order BPO. | 11/3/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 credit score exceeds guidelines by 161 points CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is below 40% CFCFS1737: LTV below guideline requirements - Clayton Comments: Low LTV of 75% | Complete |
| &nbsp;&nbsp;&nbsp;986 | XXXXXX | XXXXXX | NH | QM: Safe<br>Harbor<br>(APOR) | QM: Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>Loan PIW<br>approved.<br>Clayton to<br>order BPO. | 11/3/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 credit score exceeds guidelines by 161 points CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is below 40% CFCFS1737: LTV below guideline requirements - Clayton Comments: Low LTV of 75% | Complete |
| &nbsp;&nbsp;&nbsp;1038 | XXXXXX | XXXXXX | TX | (No Data) | ATR/QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or<br>CU) score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for 8 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 12 years and 2 months. CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 15 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV below guideline requirements of 85% per program. | Complete |
| &nbsp;&nbsp;&nbsp;356 | XXXXXX | XXXXXX | AL | (No Data) | ATR/QM:<br>Exempt C A | Credit | Income/<br>Employment | Satisfied C A | CRDINC888 | Income<br>Amount is<br>Unsupported<br>by<br>Documentation<br>in File | No | Missing<br>proof of<br>$614/mo.<br>pension<br>benefit | 11/14/2025:<br>Received<br>docs to<br>show<br>benefit<br>started<br>2/2006. | 11/14/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 734 exceeds GL 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves $130,428.23 = 52.29 months PITIA CFCFS1739: Positive mortgage payment history - Clayton Comments: All previous mortgage tradelines reported paid as agreed | Complete |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | XXXXXX | OR | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Rebuttable<br>Presumption<br>(APOR) D B C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3676 | TRID - CD:<br>Ten percent<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation. | No | $2 10<br>percent<br>Tolerance<br>due<br>increase in<br>Recording<br>fees from<br>$467 to<br>$472<br>without a<br>valid CoC.<br>Requires<br>CoC, or<br>corrected<br>PCCD,<br>copy of<br>refund<br>check,<br>LOX and<br>verification<br>of<br>shipping. | 11.10.2025<br>Lender<br>response ,<br>final CD<br>recording<br>fees 497,<br>pccd<br>dropped to<br>472.00 | 11.10.2025<br>Exception<br>Satisfied (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $81,406.55 or 33.96 months of PITI. Required Reserves are zero. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for over 43 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has been with current employer for over 20 years. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/QM<br>Status** | **Loan Level<br>ATR/QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | XXXXXX | OR | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Rebuttable<br>Presumption<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | UCDP not<br>provided.<br>Clayton to<br>order Desk<br>Review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $81,406.55 or 33.96 months of PITI. Required Reserves are zero. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for over 43 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has been with current employer for over 20 years. | Complete |
| &nbsp;&nbsp;&nbsp;948 | XXXXXX | XXXXXX | TN | (No Data) | ATR/QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>of 2.8 is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 10/31/2025:<br>Received<br>CDA<br>supporting<br>value. | 10/31/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 783 > is above guideline minimum credit score 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves exceed AUS Required Reserves are $226,135.33. Post Close Assets are $1,783.202.45 or 602.84 months of PITI. | Complete |
| &nbsp;&nbsp;&nbsp;590 | XXXXXX | XXXXXX | NE | QM: Safe<br>Harbor<br>(APOR) | QM: Safe<br>Harbor<br>(APOR) B A | Property<br>Valuations | FEMA | Active B | PRVAFEMA856 | Natural<br>Disaster<br>Area, no<br>subsequent<br>inspection<br>(Public) | No | FEMA<br>Declaration<br>for "XXX"<br>on XXX,<br>effective<br>XXX and<br>appraisal<br>date XXX. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 42.30 is below guideline requirement. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 690 exceeds guidelines of 620 | Complete |
| &nbsp;&nbsp;&nbsp;793 | XXXXXX | XXXXXX | FL | QM: Safe<br>Harbor<br>(APOR) | QM: Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession - Clayton Comments: B1 and B2 have 10 years 10 months in same line of work. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 77 mos. 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $62,733.11 exceed required reserves of $0.00. | Complete |
| &nbsp;&nbsp;&nbsp;916 | XXXXXX | XXXXXX | MO | (No Data) | ATR/QM:<br>Exempt D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>returned no<br>score.<br>Clayton to<br>order Desk<br>Review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO of 760 exceed guideline score of 620 CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 4 years at current residence | Complete |

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | XXXXXX | ME | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 34.61%/ Maximum 50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 764/ Minimum 620. CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage history 0x30x38 with no lates' or derogatory events. | Complete |
| &nbsp;&nbsp;&nbsp;611 | XXXXXX | XXXXXX | VA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 102 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 784 is 164 points above minimum program requirement of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $359,682.15 (146.39 months PITIA reserves) > min required reserves of $18,448.73 | Complete |
| &nbsp;&nbsp;&nbsp;312 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | CMPTRID5293 | TRID<br>Not all<br>required<br>seller-<br>paid fees<br>were<br>disclosed<br>on the<br>CD | No | Seller fees<br>listed on<br>Seller CD<br>but not<br>Borrower<br>final CD. As<br>the fees are<br>at least<br>reflected<br>there is no<br>material<br>issue. This<br>exception is<br>informational<br>per Clayton<br>Compliance<br>department<br>and TRID<br>2.0 revisions. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 771 exceeds minimum of 620 CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 over 24 months review CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $9,756.80 (4.08 months PITIA reserves) > min required reserves of $2,832.00 | Complete |
| &nbsp;&nbsp;&nbsp;312 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>LCA score<br>is: N/A.<br>Clayton to<br>order desk<br>review. | 11/3/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 771 exceeds minimum of 620 CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 over 24 months review CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $9,756.80 (4.08 months PITIA reserves) > min required reserves of $2,832.00 | Complete |
| &nbsp;&nbsp;&nbsp;15 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 774 Guidelines allow 620 CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 13 Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $41,865.98 or 11.38 months of PITIAReserves Required per AUS = $20,889.42 | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/QM<br>Status** | **Loan Level<br>ATR/QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;973 | XXXXXX | XXXXXX | IL | QM: Safe<br>Harbor<br>(APOR) | QM: Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 FICO is above the 620 min. CFCFS1737: LTV below guideline requirements - Clayton Comments: 65.104% LTV is below the 75% max. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $15072.96 in reserves is above the 0 required. | Complete |
| &nbsp;&nbsp;&nbsp;48 | XXXXXX | XXXXXX | MA | QM: Safe<br>Harbor<br>(APOR) | QM: Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>(or CU)<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV below guideline requirements of 90% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for 5 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 729 exceeds the guideline program minimum of 620. | Complete |
| &nbsp;&nbsp;&nbsp;304 | XXXXXX | XXXXXX | FL | QM: Safe<br>Harbor<br>(APOR) | QM: Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU<br>score is<br>> 2.5.<br>Clayton<br>to order<br>desk<br>review. | 10/31/2025:<br>Received<br>CDA<br>supporting<br>value. | 10/31/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $27,404.70 or 16.93 months of PITI. Required PITI Reserves are $13,450.98 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 735 FICO score. Minimum required 620. CFCFS2860: Good credit history - Clayton Comments: Borrower has an excellent credit payment history with 82 months reviewed reporting 0 late payments. | Complete |
| &nbsp;&nbsp;&nbsp;954 | XXXXXX | XXXXXX | GA | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Rebuttable<br>Presumption<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession - Clayton Comments: CB has 20 years in same line of work/profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 701> min. requirement of 620 | Complete |
| &nbsp;&nbsp;&nbsp;762 | XXXXXX | XXXXXX | AR | (No Data) | ATR/QM:<br>Exempt D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU<br>score<br>3.3 is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review | 11/4/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/4/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x42 mortgage payment history CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $21,165.38 or 8.64 months PITI Required Reserves are $17,412.28 CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.79% DTI is below the guideline maximum 45% | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;573 | XXXXXX | XXXXXX | VA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 18 years and 10 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 23 years and 2 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 75.00% LTV below guideline requirements of 85.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: Median FICO of 779 is 159 points above program guideline minimum of 620. | Complete |
| &nbsp;&nbsp;&nbsp;546 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of699 is above the required 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75 is below the maximum allowable of 85 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets: $83,532.42 or 33.25 months of PITIA. Required reserves: $2512.26 x 6 months = $15,073.56. | Complete |
| &nbsp;&nbsp;&nbsp;1053 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 33% CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 18 years on current job | Complete |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | XXXXXX | GA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Income/<br>Employment | Satisfied D A | CRDINC3204 | Income<br>Documentation<br>Missing | No | Provide XXX<br>Disability<br>Award Letter, or<br>other applicable<br>docs, to verify<br>$4,180.97/month<br>income. | 11/13/2025:<br>Received XXX<br>COE showing<br>$41,779 annual<br>X 125% gross up<br>/12 =<br>$4,351.98/month. | 11/13/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 16 years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 689 fico score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $21140.87 or 10.83 months of P&I | Complete |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score exceeds minimum 640; fico 773 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI below max 50%; DTI 44.22% | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Initial<br>Securitization<br>Condition<br>Grade** | **Final<br>Securitization<br>Condition<br>Grade** | **Initial<br>S&P<br>Condition<br>Grade** | **Final<br>S&P<br>Condition<br>Grade** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | XXXXXX | GA (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75% is below Guidelines maximum of 85%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been 13 years with current employer. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $185,964.11 exceed DU required of $15,745.07. | Complete |
| &nbsp;&nbsp;&nbsp;275 | XXXXXX | XXXXXX | NC (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $109,859.77 or 49.62 months PITI iRequired PITI Reserves are $2213.79 x 12.40 = $27,456.65 CFCFS1737: LTV below guideline requirements - Clayton Comments: Maximum LTV 85% current LTV 80% CFCFS2860: Good credit history - Clayton Comments: Borrower has no history of late payments | Complete |
| &nbsp;&nbsp;&nbsp;226 | XXXXXX | XXXXXX | GA (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $31,096.73. DU requires $16,591.77 reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 fico score | Complete |
| &nbsp;&nbsp;&nbsp;284 | XXXXXX | XXXXXX | TX (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 738 median FICO. Minimum required 620. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 218months. | Complete |
| &nbsp;&nbsp;&nbsp;271 | XXXXXX | XXXXXX | NC (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.00% LTV below guideline requirements of 85.00% per program. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 17 years and 8 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 777 is 157 points above program guideline minimum of 620. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.83% DTI is below guideline requirement of 50.00%. | Complete |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;252 | XXXXXX | XXXXXX | TX (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned the primary residence 11.08 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x50 mortgage payment history CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit reflects oldest tradeline 9/22/2000, reporting 0x30 | Complete |
| &nbsp;&nbsp;&nbsp;495 | XXXXXX | XXXXXX | CA (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI | No | Missing proof<br>the following<br>properties are<br>not in the<br>borrowers<br>name or<br>missing<br>documentation<br>to show PITI<br>to include in<br>DTI. XXX,<br>XXX, and<br>XXX | 11/6/2025:<br>Received pages<br>from Fraud<br>Report. It shows<br>borrower is 50%<br>XXX of XXX<br>and XXX., & a<br>XXX is owner of<br>XXX. Still need<br>proof of PITI for<br>XXX and<br>XXX.11/17/2025:<br>Received docs to<br>show REOs are<br>owned by a<br>XXX. | 11/6/2025:<br>Exception<br>remains.11/17/2025:<br>Exception satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has been at the current residence over 12 years CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in the same profession for 15 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75%. Max 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 785. Minimum required 785 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Closing assets $233,315.76 or 73.03 months PITI reserves. Required reserves $137,554.90 | Complete |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | XXXXXX | TX (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 41.01 % is below Guidelines 45% maximum. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below Guidelines 85% maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $78,779.26 exceed DU required of 27,907.33 | Complete |
| &nbsp;&nbsp;&nbsp;239 | XXXXXX | XXXXXX | VA (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 mid score > min required of 620 CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have lived at the current residence for 5 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $35,914.28 or 14.07 months of PITIA. Required Reserves are $22,470.95 | Complete |
| &nbsp;&nbsp;&nbsp;262 | XXXXXX | XXXXXX | TX (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 78 months PITI reserves or $235,608.87 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Min fico 640; Borrower fico 781 CFCFS1744: DTI below guideline requirement - Clayton Comments: Max dti 50%; DTI 43% | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;328 | XXXXXX | XXXXXX | NJ (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $149,461.97 (52.45 months PITIA reserves) > min required of $17,098.92 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is below 40% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 620 CFCFS2860: Good credit history - Clayton Comments: Good credit history with no lates listed on credit report | Complete |
| &nbsp;&nbsp;&nbsp;308 | XXXXXX | XXXXXX | TN (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $1,174,376.02 or 525 months of PITI Required PITI Reserves are $2236.81 x 6 = $13,420.87 CFCFS1737: LTV below guideline requirements - Clayton Comments: Maximum LTV 85%, Current LTV 75% CFCFS2860: Good credit history - Clayton Comments: Borrower has no history of late payments | Complete |
| &nbsp;&nbsp;&nbsp;251 | XXXXXX | XXXXXX | CA (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 747 Guidelines allow 620 CFCFS2860: Good credit history - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $71,826.89 or 16.57 months of PITIAReserves Required per AUS = $40,796.89 | Complete |
| &nbsp;&nbsp;&nbsp;277 | XXXXXX | XXXXXX | NC (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 717 > is above guideline minimum credit score 620. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV: 75% is 10 points below the program guideline maximum 85%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 17 years. | Complete |
| &nbsp;&nbsp;&nbsp;422 | XXXXXX | XXXXXX | VA (No<br>Data) | ATR/<br>QM:<br>Exempt D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU<br>score ><br>2.5.<br>Clayton<br>to order<br>desk<br>review | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: 20 years and 0 months at current profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Min credit score required 620. File credit score 697. | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Initial<br>Securitization<br>Condition<br>Grade** | **Final<br>Securitization<br>Condition<br>Grade** | **Initial<br>S&P<br>Condition<br>Grade** | **Final<br>S&P<br>Condition<br>Grade** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;205 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence > 25 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 31.42% below guideline requirement 45.00%. | Complete |
| &nbsp;&nbsp;&nbsp;189 | XXXXXX | XXXXXX | OK | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $1,177,666.70 or 179.98 months; AUS required reserves of $55,893.50. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI: 16.79% is 33.21 points below the program guideline maximum 50%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 776 FICO score: Minimum required 620. | Complete |
| &nbsp;&nbsp;&nbsp;790 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves $600,183.77 exceeds LP required reserves $24, 3919.50. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Credit report shows no lates on credit. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 778 exceeds guideline requirement 620. | Complete |
| &nbsp;&nbsp;&nbsp;803 | XXXXXX | XXXXXX | HI | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $1,075,459.15 reserves in file or 163.90 months PITI. Reserves required: $39,370.14 CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned primary / current residence for 11 years. CFCFS1739: Positive mortgage payment history - Clayton Comments: 60 months with 0x30 Mortgage payment history CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 qualifying score exceeds guideline minimum of 620 | Complete |
| &nbsp;&nbsp;&nbsp;1020 | XXXXXX | XXXXXX | WA | (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit - Clayton Comments: 1% consumer credit utilization in file CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying fico is 789. Minimum required is 620 | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | XXXXXX | PA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 410 months. | Complete |
| &nbsp;&nbsp;&nbsp;193 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | The required<br>Affiliate<br>Business<br>Disclosure is<br>missing,<br>please<br>provide a<br>copy. | (No Data) | (No Data) | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 769 is 149 points above minimum program requirements of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 49.27 is below the guideline minimum of 50%. | Complete |
| &nbsp;&nbsp;&nbsp;193 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>CU score ><br>2.5. Clayton<br>to order desk<br>review. | 11/3/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 769 is 149 points above minimum program requirements of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 49.27 is below the guideline minimum of 50%. | Complete |
| &nbsp;&nbsp;&nbsp;162 | XXXXXX | XXXXXX | DC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | CMPTRID5293 | TRID Not<br>all<br>required<br>seller-paid<br>fees were<br>disclosed<br>on the CD | No | Seller fees<br>listed on<br>Seller CD<br>but not<br>Borrower<br>final CD. As<br>the fees are<br>at least<br>reflected<br>there is no<br>material<br>issue. This<br>exception is<br>informational<br>per Clayton<br>Compliance<br>department<br>and TRID<br>2.0 revisions.<br>Exception<br>satisfied.<br>Final Grade<br>A. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-closing assets of $612,126.12 (92.16 months PITIA reserves) > min required reserves of $0.00 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 808 above minimum of 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 24.08% below max of 45% | Complete |
| &nbsp;&nbsp;&nbsp;325 | XXXXXX | XXXXXX | MD | (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 700 FICO score is above the 620 min CFCFS1744: DTI below guideline requirement - Clayton Comments: 10.83% DTI is below the 45% max. CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV is below the 85% max. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $179,596.80 in reserves is above the required $13,520.96 | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;1007 | XXXXXX | XXXXXX | FL | ATR/<br>QM:<br>Not<br>Provided | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CMPATRQM2904 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; is not a<br>Qualified<br>Mortgage. | No | Adjusted<br>charges<br>$9890, Max<br>charges<br>$9868.77,<br>difference of<br>$21.23.<br>Exceeds 3%<br>by .007%.<br>Fees included<br>in calculation<br>are $6800<br>discount, $200<br>Lender Doc<br>prep, $1595<br>processing<br>and $1295<br>Underwriting. | 11/14/2025:<br>Received<br>verification<br>of bonafide<br>fee and<br>PCCD with<br>LOX and<br>proof sent<br>to<br>borrowers<br>along with<br>check for<br>$21.23. | 11/14/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 311 months. | Complete |
| &nbsp;&nbsp;&nbsp;1007 | XXXXXX | XXXXXX | FL | ATR/<br>QM:<br>Not<br>Provided | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Active C | CRDATRQM3124 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | Yes | Missing<br>Lender QM<br>determination.<br>(No XXX<br>Report in the<br>file). | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 311 months. | Complete |
| &nbsp;&nbsp;&nbsp;310 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>Approved.<br>Clayton to<br>order BPO. | 10/31/2025:<br>Received<br>BPO<br>supporting<br>value. | 10/31/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 73.401% LTV for Subject Property is below guideline max LTV of 90% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 790 > 170 points of minimum guideline requirements of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 46.24% is above the minimum program requirements of 50% | Complete |
| &nbsp;&nbsp;&nbsp;992 | XXXXXX | XXXXXX | SC | (No<br>Data) | ATR/<br>QM:<br>Exempt B A | Credit | Assets | Active B | CRDAST3078 | Insufficient #<br>of months<br>cash reserves<br>for PITI per<br>guideline<br>requirements | No | Post close<br>reserves<br>$14,786.92<br>with DU AUS<br>required<br>reserves<br>$15,707.37.<br>Loan short<br>reserves of<br>$920.45.<br>Lender used<br>retirement<br>funds of<br>$39,936.15<br>however only<br>$9,936.15 are<br>eligible to be<br>used.<br>Statement in<br>file reflects an<br>outstanding<br>loan in the<br>amount of<br>$39,000.<br>Proceeds from<br>the loan are<br>already<br>reflected in<br>XXX Bk<br>XXX balance<br>of $48,828.80.<br>Reviewer<br>calculated<br>assets<br>$111,764.95<br>less funds to<br>close<br>$96,978.03 =<br>reserves<br>$14,786.92.<br>Additionally,<br>no<br>documentation<br>located in file<br>to support<br>EMD of<br>$15,000<br>cleared<br>borrowers<br>account prior<br>to close.<br>Provide<br>verification of<br>additional<br>assets via 2<br>months<br>consecutive<br>asset<br>statements to<br>support the<br>full amount of<br>reserves of<br>$15,707.37.<br>Any large<br>deposits must<br>be<br>documented<br>and explained. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV 75.00% below program maximum 85.00%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 75 mos. 0x30. CFCFS2854: Significant time in profession - Clayton Comments: B1 has 13 years 5 months in same line of work. B2 has 7 years 1 month in same line of work. | Complete |
| &nbsp;&nbsp;&nbsp;265 | XXXXXX | XXXXXX | IL | (No<br>Data) | ATR/<br>QM:<br>Exempt D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score is<br>not available.<br>Clayton to<br>order desk<br>review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 80%. Max 95% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 807. Minimum required 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 29.87%. Max 45% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Closing assets $80,212.50 or 24.30 months PITI reserves. Required reserves $19,808.76 CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have lived at their current residence over 24 years | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;367 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 25.81% is below Guidelines 45% maximum. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below Guidelines 85% maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $57,796.36 exceed LP required of $15,898.26. | Complete |
| &nbsp;&nbsp;&nbsp;250 | XXXXXX | XXXXXX | MT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit - Clayton Comments: 7.00% revolving credit utilization CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 741 > min. requirement of 620 | Complete |
| &nbsp;&nbsp;&nbsp;182 | XXXXXX | XXXXXX | AL | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 797 is 177 points above minimum program requirement of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.18% is below max guideline of 45% | Complete |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | XXXXXX | MA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No<br>UCDP<br>provided.<br>Clayton<br>to order<br>Desk<br>Review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: All mortgages have a positive history with no late payments or derogatory events CFCFS2860: Good credit history - Clayton Comments: Credit history is good with no late payments or derogatory events CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Remaining post close reserves of $33,851 | Complete |
| &nbsp;&nbsp;&nbsp;160 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score<br>3.5.<br>Clayton<br>to order<br>desk<br>review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 811 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $302,540.64 or 99.89 months of PITIAReserves Required per AUS = $35,958.08 | Complete |

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;204 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>of 3 requires<br>an updated<br>valuation.<br>Clayton to<br>order desk<br>review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 811 is above the required 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75 is below the maximum allowable of 85 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 39.45 is below the maximum allowable 45 | Complete |
| &nbsp;&nbsp;&nbsp;157 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $546,822.08 (222.65 months PITIA reserves) > min required reserves of $34,155.64 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 811 mid score > min required of 620 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer debt: 0x30 x greater than 99 months | Complete |
| &nbsp;&nbsp;&nbsp;168 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | CMPTRID5293 | TRID<br>Not all<br>required<br>seller-<br>paid fees<br>were<br>disclosed<br>on the<br>CD | No | Seller fees<br>listed on<br>Seller CD<br>but not<br>Borrower<br>final CD. As<br>the fees are<br>at least<br>reflected<br>there is no<br>material<br>issue. This<br>exception is<br>informational<br>per Clayton<br>Compliance<br>department<br>and TRID<br>2.0 revisions.<br>Exception<br>satisfied.<br>Final Grade<br>A. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 20.25yrs tenure with current employer CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV below maximum guideline LTV of maximum allowed 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 141 consecutive months mortgage payment history exceeds 24 month guideline credit review. CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.07% DTI below maximum allowed 45% DTI per guidelines. CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no late pay/derog line items. 800 Median Credit Score, Oldest Trade 11/1994 | Complete |
| &nbsp;&nbsp;&nbsp;168 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | UCDP score<br>is >2.5.<br>Clayton to<br>order desk<br>review | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 20.25yrs tenure with current employer CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV below maximum guideline LTV of maximum allowed 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 141 consecutive months mortgage payment history exceeds 24 month guideline credit review. CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.07% DTI below maximum allowed 45% DTI per guidelines. CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no late pay/derog line items. 800 Median Credit Score, Oldest Trade 11/1994 | Complete |
| &nbsp;&nbsp;&nbsp;346 | XXXXXX | XXXXXX | CO | (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession - Clayton Comments: B1 has 16 years in same profession CFCFS1736: Significant time at current residence - Clayton Comments: B1 has 22+ years at primary residence | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;199 | XXXXXX | XXXXXX | KY | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score ><br>2.5.<br>Clayton to<br>order desk<br>review. | 10/31/2025:<br>Received<br>CDA<br>supporting<br>value. | 10/31/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 mid score > min required of 620 CFCFS2860: Good credit history - Clayton Comments: Good credit history with no lates listed CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 and B2 have been with current employers over 4.5 years | Complete |
| &nbsp;&nbsp;&nbsp;942 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for 7 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 25 years and 8 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 765 exceeds the guideline program minimum of 620. | Complete |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | XXXXXX | UT | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No LCA<br>score<br>established.<br>Clayton to<br>order desk<br>review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 8 years 5 mos. at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score 798 exceeds guideline requirement 620. CFCFS2860: Good credit history - Clayton Comments: 0x30 all tradelines. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 with history since 5/2015 reported. | Complete |
| &nbsp;&nbsp;&nbsp;249 | XXXXXX | XXXXXX | GA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV 63.41% below program maximum 85.00%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 15 mos. 0x30, 46 mos. 0x30, 80 mos. 0x30 and 43 mos. 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $217,272.00 exceeds required reserves $18,339.69. | Complete |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | XXXXXX | GA | (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history - Clayton Comments: Qualifying credit score 768 all accounts pd as agreed CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score 768 exceeds GL min 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: 25.75% below GL 45% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves $849,975.10 (348.18 months PITIA reserves) > min reserves required of $14,410.24 | Complete |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX NC | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $760,217.75 exceed DU required of $20,639.80 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 mid score > min required of 620 CFCFS2860: Good credit history - Clayton Comments: Consumer debt: 0x30 x greater than 99 months CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 x128 months (via consecutive payment histories) | Complete |
| &nbsp;&nbsp;&nbsp;38 | XXXXXX | XXXXXX FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>is > 2.5.<br>Clayton to<br>order desk<br>review | 11/3/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 FICO exceeds minimum 620. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 10 years & 5 months at current residence | Complete |
| &nbsp;&nbsp;&nbsp;539 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 789 exceeds the guideline program minimum of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $36,126.33 or 15.12 months PITI, Required PITI Reserves are $28,677.24. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV below guideline requirements of 75% per program. | Complete |
| &nbsp;&nbsp;&nbsp;503 | XXXXXX | XXXXXX NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>is {not<br>provided}.<br>Clayton to<br>order desk<br>review | 11/3/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 10 years at current residence CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 5 years at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 707 FICO exceeds minimum 620. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower Mortgage payment 0x30x88 | Complete |
| &nbsp;&nbsp;&nbsp;254 | XXXXXX | XXXXXX DC | (No<br>Data) | ATR/<br>QM:<br>Exempt D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Clayton to<br>Order<br>CDA to<br>Support<br>value of<br>XXX. | 11/3/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 44.46% is above the minimum program requirements of 50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 781 > 161 points of minimum guideline requirements of 620. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 27 years and 0 months. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;1031 | XXXXXX | XXXXXX | AR | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 796 is 176 points above minimum program requirement of 620. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 296 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 29.94% is below the guideline minimum of 45%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $89,541.78 (38.33 months reserves) > min required of $61,195.32 | Complete |
| &nbsp;&nbsp;&nbsp;280 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | UCDP<br>2.6.<br>Clayton<br>to order<br>a Desk<br>Review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV below maximum allowed LTV of 90% per guidelines. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 120 consecutive months mortgage payment history exceeds guideline credit review of 24 months. CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no late pay/derog line items. 787 Median Credit Score, Oldest Trade Line 1/1980, 1% credit usage | Complete |
| &nbsp;&nbsp;&nbsp;335 | XXXXXX | XXXXXX | MA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV max 85%, borrower LTV 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score exceeds minimum 640; fico 802 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI max 45%; Borrower DTI 36% | Complete |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 14 .2 years at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 775 exceeds min 620 CFCFS1739: Positive mortgage payment history - Clayton Comments: No mortgage lates on credit report. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $525,883.60 exceeds AUS required of $116,785.14 | Complete |
| &nbsp;&nbsp;&nbsp;267 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 41.72% is below Guidelines 45% maximum. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 79.91% is below Guidelines 85% maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $18,336.55 exceed $16,529.64 required. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have resided at current residence for 16 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job, 17 years and 2 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV below guideline requirements of 85% per program. | Complete |
| &nbsp;&nbsp;&nbsp;214 | XXXXXX | XXXXXX | WA | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 11/3/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 761 is 141 points above minimum program requirement of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 37.97% is below the guideline minimum of 45%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 134 months. | Complete |
| &nbsp;&nbsp;&nbsp;214 | XXXXXX | XXXXXX | WA | (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>Loan PIW<br>approved.<br>Clayton to<br>order<br>BPO. | 11/3/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 761 is 141 points above minimum program requirement of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 37.97% is below the guideline minimum of 45%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 134 months. | Complete |
| &nbsp;&nbsp;&nbsp;551 | XXXXXX | XXXXXX | IL | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have resided in current owner-occupied residence for 15 years and 2 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed with XXX for 18 years and 8 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $383,569.83 (173.78 months PITIA reserves) > min required reserves of $25,305.62 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;305 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 28% CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 23 years on current job | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 10/31/2025:<br>Received<br>BPO<br>supporting<br>value. | 10/31/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: the borrower has been at the current residence for 21 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 74.65%. Max 90% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $12,184.48 or 3.65 months PITI reserves. Required reserves $6,19.58 | Complete |
| &nbsp;&nbsp;&nbsp;542 | XXXXXX | XXXXXX | PA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 789 exceeds minimum of 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 over 24 months CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75% below max of 90% | Complete |
| &nbsp;&nbsp;&nbsp;340 | XXXXXX | XXXXXX | SC | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 759 Guidelines allow 620 CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 15 Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $102,585.12 or 29.47 months of PITIAReserves Required per AUS = $37,442.26 | Complete |
| &nbsp;&nbsp;&nbsp;985 | XXXXXX | XXXXXX | FL | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>is > 2.5.<br>Clayton<br>to order<br>desk<br>review. | 11/3/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 6 years and 10 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 80.00% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 738 is 118 points above program guideline minimum of 620. | Complete |
| &nbsp;&nbsp;&nbsp;789 | XXXXXX | XXXXXX | IN | (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 78.95 is below guideline requirement max of 85. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 765 exceeds guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 18.67 is below guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves of $146,002.00 or 61.78 months PITI reserves exceed AUS required reserves of $14,223.83. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;373 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>is > 2.5.<br>Clayton to<br>order desk<br>review. | (No Data) | Desk<br>review<br>received,<br>value<br>supported.<br>Exception<br>Satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75 is below guideline requirement max of 90. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves of $25,266.43 or 5.50 months PITI reserves exceed required reserves of $0.00. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 815 exceeds guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 40.25 is below guideline requirement. | Complete |
| &nbsp;&nbsp;&nbsp;260 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 11/3/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $763,297.63 (199.85 months PITIA reserves) > min required of $0.00 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;260 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>Loan PIW<br>approved.<br>Clayton to<br>order BPO. | 11/3/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $763,297.63 (199.85 months PITIA reserves) > min required of $0.00 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;764 | XXXXXX | XXXXXX | GA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Min fico 620; median fico 777 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV Purchase max 85%; LTV 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves 74 months PITIA | Complete |
| &nbsp;&nbsp;&nbsp;826 | XXXXXX | XXXXXX | TN | (No<br>Data) | ATR/<br>QM:<br>Exempt D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No LCA<br>score<br>established.<br>Clayton to<br>order desk<br>review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO Score 757 > 137 points of minimum guideline requirements of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 41.70% is above the minimum program requirements of 45% | Complete |

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;889 | XXXXXX | XXXXXX | GA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV 75.00% below program maximum 85.00%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 25 mos. 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $153,936.08 exceed guideline requirement $14,832.66. | Complete |
| &nbsp;&nbsp;&nbsp;828 | XXXXXX | XXXXXX | FL | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score is<br>(not<br>provided).<br>Clayton to<br>order desk<br>review. | (No Data) | Desk<br>review<br>received,<br>value<br>supported.<br>Exception<br>Satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 25.12% is below max guides 45%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 8.8 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 798 exceeds max 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $117,071.62 or 67 months of PITIA. Required reserves: $12,235.14 | Complete |
| &nbsp;&nbsp;&nbsp;273 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Income/<br>Employment | Satisfied C A | CRDINC2488 | Verbal<br>verification<br>of<br>employment<br>missing | No | Missing 10<br>day VVOE<br>for B2. Docs<br>in the file do<br>not meet the<br>alt doc<br>methods<br>allowed. | 11/13/2025:<br>Received<br>VVOE<br>dated<br>XXX. | 11/13/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 18.4 years current residence CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 21.3 years current job time CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 18.12% < max allowable of 45% | Complete |
| &nbsp;&nbsp;&nbsp;372 | XXXXXX | XXXXXX | NV | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence 15 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed 20 years 4 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified credit score of 770 exceeds the guideline minimum of 620 | Complete |
| &nbsp;&nbsp;&nbsp;472 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | CMPTRID5293 | TRID Not<br>all required<br>seller-paid<br>fees were<br>disclosed on<br>the CD | No | Seller fees<br>listed on<br>Seller CD<br>but not<br>Borrower<br>final CD. As<br>the fees are<br>at least<br>reflected<br>there is no<br>material<br>issue. This<br>exception is<br>informational<br>per Clayton<br>Compliance<br>department<br>and TRID<br>2.0 revisions.<br>Exception<br>satisfied.<br>Final Grade<br>A. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 90% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 755 > 135 points of minimum guideline requirements of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 30.85% is above the minimum program requirements of 45% | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA -<br>List of<br>homeowners<br>counseling<br>organizations<br>not in file | No | List of<br>homeowners<br>counseling<br>organizations<br>not in file | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 771/ minimum is 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $72,273.42 (35.65 months PITIA reserves) > min required reserves of $0.00 | Complete |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Required<br>Affiliate<br>Business<br>Disclosure<br>missing | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 771/ minimum is 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $72,273.42 (35.65 months PITIA reserves) > min required reserves of $0.00 | Complete |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score is<br>N/A.<br>Clayton to<br>order desk<br>review | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 771/ minimum is 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $72,273.42 (35.65 months PITIA reserves) > min required reserves of $0.00 | Complete |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Credit | Terms/<br>Guidelines | Active C | CRDTER3122 | Loan<br>documents<br>do not meet<br>guideline<br>requirements | Yes | There is a<br>Fraud Victim<br>Alert for the<br>borrower on<br>the Credit<br>Report. Loan<br>is missing<br>verification<br>borrower is<br>aware and<br>gives<br>permission<br>for this<br>purchase<br>transaction. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 819 credit score; Minimum FICO is 620 CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current primary residence, 6.75 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x59 mortgage payment history CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit reflects oldest tradeline 9/20/1996, reporting 0x30 | Complete |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>returned 3.5<br>score.<br>Clayton to<br>order desk<br>review. | 11/3/2025<br>Received<br>desk<br>review.<br>Value<br>supported<br>with 0%<br>variance. | 11/3/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 819 credit score; Minimum FICO is 620 CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current primary residence, 6.75 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x59 mortgage payment history CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit reflects oldest tradeline 9/20/1996, reporting 0x30 | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;307 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA \<br>score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $167,968.04 or 77.31 months of P&IRequired P&I Reserves are $0 CFCFS1737: LTV below guideline requirements - Clayton Comments: Max LTV 90% Current LTV 80% CFCFS2860: Good credit history - Clayton Comments: Borrower has no history of late payments | Complete |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | XXXXXX | FL | (No<br>Data) | ATR/<br>QM:<br>Exempt D C A | Credit | DTI | Active C | CRDDTI187 | Debt<br>Ratio ><br>50% | Yes | Loan DTI<br>of 51.38%<br>is above<br>the DU<br>approved<br>DTI of<br>49.83%.<br>Clayton<br>calculated<br>DTI is<br>based on<br>total<br>income of<br>$14,420.98<br>and total<br>obligations<br>of<br>$10,316.62.<br>Lender<br>used<br>projected<br>income to<br>qualify.<br>Current<br>interest<br>income at<br>the time of<br>verification<br>was<br>$902.50<br>and lender<br>used<br>$1,351.67<br>based on a<br>statement<br>of loans<br>that are<br>pending<br>closing,<br>since these<br>investments<br>are not yet<br>closed,<br>they can<br>not be used<br>to qualify. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $260,068.96 or 124.03 months of PITI Required Reserves are $25,322.38 per DU in file. CFCFS1750: High potential for increased earnings - Clayton Comments: The borrowers have contingent investments documented in the file that are likely to provide additional income in the future. CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has worked for the same employer for 22 years | Complete |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | XXXXXX | FL | (No<br>Data) | ATR/<br>QM:<br>Exempt D C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | UCDP in<br>file has a<br>CU score<br>of 3.4.<br>Updated<br>valuation<br>required.<br>Clayton to<br>order Desk<br>Review. | 11/3/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $260,068.96 or 124.03 months of PITI Required Reserves are $25,322.38 per DU in file. CFCFS1750: High potential for increased earnings - Clayton Comments: The borrowers have contingent investments documented in the file that are likely to provide additional income in the future. CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has worked for the same employer for 22 years | Complete |
| &nbsp;&nbsp;&nbsp;480 | XXXXXX | XXXXXX | AZ | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 767 Guidelines allow 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: Low DTI 22 % Max DTI allowed is 45% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $67,170.64 or 32.79 months of PITIAReserves Required per AUS = $12,340.44 | Complete |
| &nbsp;&nbsp;&nbsp;934 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>LCA score<br>is N/A.<br>Clayton to<br>order a<br>desk<br>review. | 11/4/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/4/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 31% < max permitted of 45% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $747,993.79 (220.43 months PITIA reserves) > min required reserves of $20,359.74 | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/QM<br>Status** | **Loan Level<br>ATR/QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | XXXXXX | TX | (No Data) | ATR/QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying fico is 792. G/l min is 700 CFCFS5269: Minimal use of credit - Clayton Comments: 0% consumer credit utilization in file | Complete |
| &nbsp;&nbsp;&nbsp;922 | XXXXXX | XXXXXX | AZ | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Rebuttable<br>Presumption<br>(APOR) D B A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA -<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | Missing<br>borrower letter<br>of explanation<br>or other<br>satisfactory<br>documentation<br>to support no<br>HOA fee on<br>primary<br>residence as<br>qualified with. | 11/13/2025:<br>Received<br>doc to<br>show no<br>HOA. | 11/13/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has been in current residence 30 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has been with current employer 25 years, 8 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets of $164,495.08 or 51.49 months PITI exceeds required reserves of $6,390.61 or 2.58 months. | Complete |
| &nbsp;&nbsp;&nbsp;922 | XXXXXX | XXXXXX | AZ | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Rebuttable<br>Presumption<br>(APOR) D B A | Credit | DTI | Active B | CRDDTI105 | Debt Ratio<br>Exception<br>5% or Less | No | The calculated<br>DTI is 33.28%<br>percent. The<br>lender DTI is<br>30.129%. This<br>exceeds the<br>tolerance of 3%.<br>The variance is<br>due to the 2025<br>P&L for XXX<br>does not support<br>the lender<br>income. The<br>lender<br>calculated<br>income using<br>the 2023 income<br>data. The lender<br>calculated<br>income is<br>$22,755.92<br>monthly. The<br>2025 P&L does<br>not support this<br>amount. The<br>YTD P&L is<br>$11,061.20<br>(YTD income<br>$165,918 / 6<br>months x 40%<br>ownership<br>percentage) +<br>monthly W-2<br>income of<br>$7,916.66 =<br>$18,977.86. DU<br>AUS<br>recommendation<br>must remain<br>Approve/<br>Eligible. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has been in current residence 30 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has been with current employer 25 years, 8 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets of $164,495.08 or 51.49 months PITI exceeds required reserves of $6,390.61 or 2.58 months. | Complete |
| &nbsp;&nbsp;&nbsp;922 | XXXXXX | XXXXXX | AZ | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Rebuttable<br>Presumption<br>(APOR) D B A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI | No | Missing<br>borrower letter<br>of explanation<br>or other<br>satisfactory<br>documentation<br>to support no<br>HOA fee on<br>primary<br>residence as<br>qualified with. | 11/13/2025:<br>Received<br>doc to<br>show no<br>HOA. | 11/13/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has been in current residence 30 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has been with current employer 25 years, 8 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets of $164,495.08 or 51.49 months PITI exceeds required reserves of $6,390.61 or 2.58 months. | Complete |
| &nbsp;&nbsp;&nbsp;924 | XXXXXX | XXXXXX | VA | (No Data) | ATR/QM:<br>Exempt D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score is N/<br>A. Clayton to<br>order desk<br>review. | (No Data) | Desk<br>review<br>received,<br>value<br>supported.<br>Exception<br>Satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 804 Guidelines allow 620 CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $230,414.00 or 85.25 months of PITIA. Reserves Required per AUS = $16,217.58 | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;467 | XXXXXX | XXXXXX | WI | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been with the employer for 9 years 11 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-Closing Assets: $601,205.67 - $15,750.35 Required Reserves = $585,455.32/$8,309.96 PITI for both properties = 70.45 additional months reserves on both properties. CFCFS1744: DTI below guideline requirement - Clayton Comments: The DTI is 44.11% and guidelines allow the DTI to be 50% | Complete |
| &nbsp;&nbsp;&nbsp;470 | XXXXXX | XXXXXX | UT | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score is:<br>Not<br>provided.<br>Clayton<br>to order<br>desk<br>review | 11/4/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/4/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 745 FICO score is above the 620 min. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $55296.35 in reserves is above the required $18120.36. CFCFS1744: DTI below guideline requirement - Clayton Comments: 23.88% DTI is below the 45% max | Complete |
| &nbsp;&nbsp;&nbsp;510 | XXXXXX | XXXXXX | IL | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75% is below Guidelines 85% maximum. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30,0x60,0x90 with 53 months reviewed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $225,461.34 exceed DU required of $56,948.88. | Complete |
| &nbsp;&nbsp;&nbsp;344 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>4.1.<br>Clayton<br>to order<br>Desk<br>Review. | 11/4/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/4/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 796 > is above guideline minimum credit score 620. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job, 18 years. | Complete |
| &nbsp;&nbsp;&nbsp;402 | XXXXXX | XXXXXX | AZ | (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have occupied primary residence for 12 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for 20.25 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0.54% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets of $25,161.12 (12.49 months PITIA reserves) > min required reserves of $12,089.46 | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;833 | XXXXXX | XXXXXX | WA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 10/31/2025:<br>Received<br>CDA<br>supporting<br>value. | 10/31/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score 792; Minimum 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: Max LTV 85%; Borrower LTV 65% | Complete |
| &nbsp;&nbsp;&nbsp;982 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>Loan PIW<br>approved.<br>Clayton to<br>order<br>BPO. | 11/3/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 778 FICO score. Minimum required 620. | Complete |
| &nbsp;&nbsp;&nbsp;982 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 11/3/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 778 FICO score. Minimum required 620. | Complete |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 765 exceeds minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves post closing exceeds reserves required. 15 month sof PITIA verified | Complete |
| &nbsp;&nbsp;&nbsp;680 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO | 11/3/2025<br>Received<br>BPO.<br>Supports<br>value. | 11/3/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower Mortgage payment 0x30x55 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 810 FICO exceeds minimum 620. | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;680 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>Loan PIW<br>approved.<br>Clayton to<br>order BPO. | 11/3/2025<br>Received<br>BPO.<br>Supports<br>value. | 11/3/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines—Clayton Comments: Borrower Mortgage payment 0x30x55 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 810 FICO exceeds minimum 620. | Complete |
| &nbsp;&nbsp;&nbsp;750 | XXXXXX | XXXXXX | MN | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or CU)<br>score is >2.5.<br>Clayton to<br>order desk<br>review. | 10/31/2025:<br>Received<br>CDA<br>supporting<br>value. | 10/31/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have resided at current residence for 8 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 9 years. | Complete |
| &nbsp;&nbsp;&nbsp;695 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan<br>approved with<br>a PIW,<br>Clayton to<br>order a BPO. | 11/3/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $64,153.59 (14.11 months PITIA reserves) > min required reserves of $5,804.00 CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 13 years at current job CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history | Complete |
| &nbsp;&nbsp;&nbsp;959 | XXXXXX | XXXXXX | MN | (No<br>Data) | ATR/<br>QM:<br>Exempt D B C A | Credit | Credit/<br>Mtg<br>History | Satisfied C A | CRDCRMH1805 | Debts/<br>obligations<br>not<br>disclosed/<br>accounted<br>for at<br>origination | No | Provide<br>applicable<br>documentation<br>to verify the<br>IRS payments<br>are not<br>recurring<br>installment<br>plan<br>payments:<br>XXX<br>statement and<br>printout for<br>acct ending<br>\*XXX reflect<br>XXX<br>payments:<br>5/7/2025 of<br>$1,735.00 and<br>6/23/2025 of<br>$15.37. No<br>documentation<br>provided to<br>explain the<br>nature of these<br>payments,<br>whether it was<br>for paying<br>balance owed<br>with return or<br>XXX<br>installment<br>plan payment. | 11/18/2025:<br>Received<br>LOX for<br>XXX<br>payments.<br>Not<br>recurring. | 11/18/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 71.65% is below Guidelines maximum of 75%. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30, 0x60 and 0x 90 with 21 months reviewed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $48,040.81 exceed DU required of $15,091.07. | Complete |
| &nbsp;&nbsp;&nbsp;959 | XXXXXX | XXXXXX | MN | (No<br>Data) | ATR/<br>QM:<br>Exempt D B C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 10/31/2025:<br>Received<br>BPO not<br>supporting<br>value (-<br>11.39%). | 10/31/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 71.65% is below Guidelines maximum of 75%. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30, 0x60 and 0x 90 with 21 months reviewed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $48,040.81 exceed DU required of $15,091.07. | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;959 | XXXXXX | XXXXXX | MN | (No<br>Data) | ATR/<br>QM:<br>Exempt D B C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation. | 10/31/2025:<br>Received<br>BPO not<br>supporting<br>value (-<br>11.39%). | 10/31/2025:<br>Exception<br>satisfied;<br>value not<br>supported<br>exception<br>created,<br>2055<br>ordered | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 71.65% is below Guidelines maximum of 75%. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30, 0x60 and 0x 90 with 21 months reviewed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $48,040.81 exceed DU required of $15,091.07. | Complete |
| &nbsp;&nbsp;&nbsp;959 | XXXXXX | XXXXXX | MN | (No<br>Data) | ATR/<br>QM:<br>Exempt D B C A | Property<br>Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property<br>Value Not<br>Supported | No | BPO received,<br>value not<br>supported,<br>variance is-<br>11.39%. | 11/7/2025:<br>Received<br>2055<br>supporting<br>value. | 11/7/2025:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 71.65% is below Guidelines maximum of 75%. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30, 0x60 and 0x 90 with 21 months reviewed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $48,040.81 exceed DU required of $15,091.07. | Complete |
| &nbsp;&nbsp;&nbsp;533 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA -<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | Missing<br>documentation<br>supporting the<br>PITI on the<br>primary<br>residence in<br>the amount of<br>$10,336.98. | 11/3/2025:<br>Received<br>page 2 of 7<br>of 1003.<br>This does<br>not resolve<br>issue.<br>Provide the<br>Final CD<br>showing<br>new<br>payment of<br>$10,336.98<br>on<br>proposed<br>for Primary<br>residence<br>or proof<br>loan did not<br>close.<br>11/11/2025:<br>Received<br>lender<br>LOX. Loan<br>has not yet<br>closed. | 11/3/2025:<br>Exception<br>remains.<br>11/11/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have resided at current residence for 28 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 28 years and 8 months. | Complete |
| &nbsp;&nbsp;&nbsp;533 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI | No | Missing<br>documentation<br>supporting the<br>PITI on the<br>primary<br>residence in<br>the amount of<br>$10,336.98. | 11/3/2025:<br>Received<br>page 2 of 7<br>of 1003.<br>This does<br>not resolve<br>issue.<br>Provide the<br>Final CD<br>showing<br>new<br>payment of<br>$10,336.98<br>on<br>proposed<br>for Primary<br>residence<br>or proof<br>loan did not<br>close.<br>11/11/2025:<br>Received<br>lender<br>LOX. Loan<br>has not yet<br>closed. | 11/3/2025:<br>Exception<br>remains.<br>11/11/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have resided at current residence for 28 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 28 years and 8 months. | Complete |
| &nbsp;&nbsp;&nbsp;533 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 10/31/2025:<br>Received<br>BPO<br>supporting<br>value. | 10/31/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have resided at current residence for 28 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 28 years and 8 months. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;533 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>Loan PIW<br>approved.<br>Clayton to<br>order BPO. | 10/31/2025:<br>Received<br>BPO<br>supporting<br>value. | 10/31/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have resided at current residence for 28 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 28 years and 8 months. | Complete |
| &nbsp;&nbsp;&nbsp;830 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Active C | CMPTRID3618 | TRID -<br>Corrected<br>CD should<br>have been<br>provided;<br>Change of<br>Product or<br>Product<br>Feature not<br>disclosed at<br>least 3<br>business days<br>prior to<br>closing | Yes | Please provide<br>evidence that<br>borrower<br>acknowledged<br>receipt of the,<br>initial CD<br>dated XXX, 3<br>business days<br>prior to<br>consummation<br>date of XXX | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 817 exceeds minimum of 620 CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 over 24 months review CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 41.52 below max of 43% | Complete |
| &nbsp;&nbsp;&nbsp;830 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Active C | CMPTRID3626 | TRID - CD:<br>Loan<br>consummated<br>before end of<br>waiting<br>period | Yes | Please provide<br>evidence that<br>borrower<br>acknowledged<br>receipt of the,<br>initial CD<br>dated XXX, 3<br>business days<br>prior to<br>consummation<br>date of XXX. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 817 exceeds minimum of 620 CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 over 24 months review CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 41.52 below max of 43% | Complete |
| &nbsp;&nbsp;&nbsp;830 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation-<br>LCA (or CU)<br>score is >2.5.<br>Clayton to<br>order<br>deskreview. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>Satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 817 exceeds minimum of 620 CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 over 24 months review CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 41.52 below max of 43% | Complete |
| &nbsp;&nbsp;&nbsp;491 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in the same line of work for 15 years | Complete |

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| | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Initial<br>Securitization<br>Condition<br>Grade** | **Final<br>Securitization<br>Condition<br>Grade** | **Initial<br>S&P<br>Condition<br>Grade** | **Final<br>S&P<br>Condition<br>Grade** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;540 | XXXXXX | XXXXXX | OR (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 803 Guidelines allow 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: Low DTI 23.17 % Max DTI allowed is 45% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $47,770.06 or 18.29 months of PITIAReserves Required per AUS = $18,002.15 | Complete |
| &nbsp;&nbsp;&nbsp;571 | XXXXXX | XXXXXX | GA (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $260,928.79 > min required reserves of $18,850.79 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 mid score > min required of 620 CFCFS2854: Significant time in profession - Clayton Comments: B1 8 yrs B2 10 yrs CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 10 yrs 1 mo CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 x26 | Complete |
| &nbsp;&nbsp;&nbsp;574 | XXXXXX | XXXXXX | CA (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 30.07% is below Guidelines maximum of 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LYV of 75% is below Guidelines 85% maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $49,621.00 exceed DU required of $31,699.29. | Complete |
| &nbsp;&nbsp;&nbsp;497 | XXXXXX | XXXXXX | CA (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 15 years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 35.71%. G/l max is 45% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $64,375.49 or 16.96 months of PITIA > min required reserves of $22,779.46 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying fico is 790. G/l min is 620 | Complete |
| &nbsp;&nbsp;&nbsp;568 | XXXXXX | XXXXXX | AZ (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Median FICO 711 > 91 points above guideline program minimum of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 48.03% is above the minimum program requirements of 50% CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 85% CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower2 has significant time at current job, 10 years and 1 months. | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;569 | XXXXXX | XXXXXX | AZ (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 754 is 134 points above minimum program requirement of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 39.73% is below the guideline minimum of 45%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $69,858.48 (33.06 months PITIA reserves) > min required reserves of $18,659.31 | Complete |
| &nbsp;&nbsp;&nbsp;964 | XXXXXX | XXXXXX | CA (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 801 FICO score. Minimum required 620. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 238 months. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 17 months mortgage payment history 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $161,619.98 (72.12 months PITIA reserves) > min required reserves of $19,306.38 | Complete |
| &nbsp;&nbsp;&nbsp;702 | XXXXXX | XXXXXX | NJ (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 11/4/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/4/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in the same profession for 20 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75%. Max 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 781. Minimum required 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $243,088.02 or 98.06 months PITI reserves. Required reserves $37,343.46 | Complete |
| &nbsp;&nbsp;&nbsp;690 | XXXXXX | XXXXXX | MA (No<br>Data) | ATR/<br>QM:<br>Exempt D B A | Credit | Income/<br>Employment | Active B | CRDINC2496 | Verbal<br>verification<br>of<br>employment<br>completed<br>outside the<br>stated<br>requirements<br>and/or after<br>closing/<br>funding | No | Missing<br>the VOE<br>dated 10<br>Business<br>Days<br>prior to<br>the Note<br>Date or<br>after the<br>Note<br>Date but<br>prior to<br>the<br>Delivery<br>Date.<br>(WVOe<br>in the<br>file is<br>dated<br>XXX<br>and<br>expired<br>XXX). | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 7 years. CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 7 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $266,748.30 or 79.43 months PITI, Required PITI Reserves are $32,650.04. | Complete |
| &nbsp;&nbsp;&nbsp;690 | XXXXXX | XXXXXX | MA (No<br>Data) | ATR/<br>QM:<br>Exempt D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CA (or<br>CU)<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 11/3/2025<br>Received<br>desk<br>review.<br>Value<br>supported<br>with 0%<br>variance. | 11/3/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 7 years. CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 7 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $266,748.30 or 79.43 months PITI, Required PITI Reserves are $32,650.04. | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan**<br> **Level<br>ATR/**<br> **QM Status** | **Condition<br>Category** | **Condition**<br> **Sub**<br> **Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | Non-QM:<br>Lender<br>documented<br>all ATR<br>UW factors C A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Active C | CMPATRQM2900 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule;<br>Clayton's<br>status<br>determination<br>places loan in<br>a riskier status<br>than the<br>Lender's<br>status<br>determination. | Yes | Lender status<br>is QM Safe;<br>Clayton<br>status is<br>NONQM due<br>to Adjusted<br>charges in<br>file are<br>$9,583.20.<br>Max charges<br>allowed are<br>$7,227.36.<br>Total charge<br>percentage is<br>3.978%. G/l<br>max is 3%. (No<br>Data) | (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: 7% consumer credit utilization in file CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Qualifying fico is 767. G/l min is 700 | Complete |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | Non-QM:<br>Lender<br>documented<br>all ATR<br>UW factors C A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Active C | CMPATRQM2904 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; is not a<br>Qualified<br>Mortgage. | Yes | Lender status<br>is QM Safe;<br>Clayton<br>status is<br>NONQM due<br>to Adjusted<br>charges in<br>file are<br>$9,583.20.<br>Max charges<br>allowed are<br>$7,227.36.<br>Total charge<br>percentage is<br>3.978%. G/l<br>max is 3%. (No<br>Data) | (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: 7% consumer credit utilization in file CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Qualifying fico is 767. G/l min is 700 | Complete |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | Non-QM:<br>Lender<br>documented<br>all ATR<br>UW factors C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | CMPTRID5293 | TRID Not all<br>required<br>seller-paid<br>fees were<br>disclosed on<br>the CD | No | Seller fees<br>listed on<br>Seller CD but<br>not Borrower<br>final CD. As<br>the fees are at<br>least<br>reflected<br>there is no<br>material<br>issue. This<br>exception is<br>informational<br>per Clayton<br>Compliance<br>department<br>and TRID<br>2.0 revisions.<br>Exception<br>satisfied.<br>Final Grade<br>A. (No<br>Data) | Numeric | Not<br>Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: 7% consumer credit utilization in file CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Qualifying fico is 767. G/l min is 700 | Complete |
| &nbsp;&nbsp;&nbsp;689 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/QM:<br>Exempt C A | Credit | DTI | Active C | CRDDTI134 | Debt Ratio<br>Exception<br>=>10% | Yes | Missing LP<br>findings with<br>income of<br>$28,368.63<br>per month<br>and back<br>ratio 37.80%.<br>Income<br>submitted on<br>last LP is<br>$66,079.56<br>per month<br>which is<br>double the<br>income that<br>was used at<br>$33,039.78<br>per month in<br>the<br>underwriters<br>notes and self<br>employed<br>worksheet.B2<br>income<br>calculated at<br>$28.368.63<br>per<br>month.2024<br>W2<br>$99,999.96<br>income<br>declined<br>from 2023<br>$262,500 and<br>only 2024<br>was averaged<br>for a total of<br>$8,333.33 per<br>month.K1<br>income<br>averaged<br>over 2 years<br>is $18,035.30<br>per month.B1<br>has no<br>ownership in<br>the business. (No<br>Data) | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 781. Minimum required score 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 37.8%. Max 45% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Closing assets $56,437.58 or 20.32 months PITI reserves. Required reserves $27,643.60. CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have been at their current residence for 20 years | Complete |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | XXXXXX | TN | (No<br>Data) | ATR/QM:<br>Exempt |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 749 FICO score. Minimum required 700. CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV is below guideline maximum 80% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 10.75 years | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;529 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 25 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 5 years at current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $1,535,567.47 (244.97 months PITIA reserves) > min required reserves of $17,253.29 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;963 | XXXXXX | XXXXXX | MN | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>FNMA<br>UCDP<br>report<br>incomplete,<br>risk score<br>not<br>provided.<br>Clayton to<br>order desk<br>review. | 10/31/2025:<br>Received<br>CDA<br>supporting<br>value. | 10/31/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history - Clayton Comments: Consumer debt: 0x30 x greater than 99 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 qualifying score exceeds guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $69,584.99 reserves in file or 18.82 months PITI > min required reserves of $22,184.17 | Complete |
| &nbsp;&nbsp;&nbsp;857 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 5 years 7 months CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0X30X63. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $593,939.77 or 193.87months.Required Reserves are $38,629.95 | Complete |
| &nbsp;&nbsp;&nbsp;549 | XXXXXX | XXXXXX | WA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Compliance | Documentation | Satisfied D A | CMPDOC806 | Notary<br>Status is<br>missing | No | Mortgage<br>in file is<br>missing<br>pages 13-<br>14. Provide<br>mortgage<br>notarized ,<br>including<br>all pages. | 11/5/2025:<br>Received<br>all pages of<br>fully<br>executed<br>DOT and<br>Riders.<br>Notary date<br>is XXX. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 8 years on current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves - $44,620.31Required reserves per LP - $26,671.54 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 762 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;556 | XXXXXX | XXXXXX | MA | (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Assets are $634,605.88. Reserves required are $25,488.32. Cash required to close $121,357.04. Excess reserves are $513,248.84 or 162.69 PITIA. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4.5% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 mid score > min required of 620 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 250 months. | Complete |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;513 | XXXXXX | XXXXXX CA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 35 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $226,468.65 greater than the $47,135.44 reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 803 is 183 points above the 620 FICO required. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrowers have 19 years 4 months at current job. | Complete |
| &nbsp;&nbsp;&nbsp;979 | XXXXXX | XXXXXX CA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | UCDP<br>score not<br>provided.<br>Clayton to<br>order a<br>Desk<br>Review | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV below maximum allowed 85% per guidelines. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 126 consecutive months mortgage payment history exceeds 24 month credit review per guidelines. CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no late pay/derog line items. 792 Median Score, Oldest Trade 6/1996 | Complete |
| &nbsp;&nbsp;&nbsp;498 | XXXXXX | XXXXXX MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3618 | TRID -<br>Corrected CD<br>should have<br>been provided;<br>Change of<br>Product or<br>Product<br>Feature not<br>disclosed at<br>least 3<br>business days<br>prior to closing | No | Missing<br>Initial CD<br>dated<br>XXX and<br>revised<br>CD, dated<br>XXX as<br>referenced<br>on<br>disclosure<br>tracking<br>summary. | 11/17/25 -<br>Lender<br>provided<br>initial CD<br>dated<br>XXX and<br>Revised<br>CD dated<br>XXX. | 11/17/25 -<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 724 Guidelines allow 620 CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 13 Years at Current Residence CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 16 Years in Current Profession | Complete |
| &nbsp;&nbsp;&nbsp;498 | XXXXXX | XXXXXX MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD:<br>Loan<br>consummated<br>before end of<br>waiting period | No | Missing<br>Initial CD<br>dated<br>XXX and<br>revised<br>CD, dated<br>XXX as<br>referenced<br>on<br>disclosure<br>tracking<br>summary. | 11/17/25 -<br>Lender<br>provided<br>initial CD<br>dated<br>XXX and<br>Revised<br>CD dated<br>XXX. | 11/17/25 -<br>Lender<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 724 Guidelines allow 620 CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 13 Years at Current Residence CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 16 Years in Current Profession | Complete |
| &nbsp;&nbsp;&nbsp;498 | XXXXXX | XXXXXX MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3676 | TRID - CD:<br>Ten percent<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation. | No | Missing<br>Initial CD<br>dated<br>XXX and<br>revised<br>CD, dated<br>XXX as<br>referenced<br>on<br>disclosure<br>tracking<br>summary. | 11/17/25 -<br>Lender<br>provided<br>initial CD<br>dated<br>XXX and<br>Revised<br>CD dated<br>XXX. | 11/17/25 -<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 724 Guidelines allow 620 CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 13 Years at Current Residence CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 16 Years in Current Profession | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;498 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied D A | CMPTRID4579 | TRID -<br>CD:<br>Missing<br>Initial CD | No | Missing<br>Initial CD<br>dated<br>XXX and<br>revised<br>CD, dated<br>XXX as<br>referenced<br>on<br>disclosure<br>tracking<br>summary. | 11/17/25 -<br>Lender<br>provided<br>initial CD<br>dated<br>XXX and<br>Revised<br>CD dated<br>XXX. | 11/17/25 -<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 724 Guidelines allow 620 CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 13 Years at Current Residence CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 16 Years in Current Profession | Complete |
| &nbsp;&nbsp;&nbsp;498 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 11/3/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 724 Guidelines allow 620 CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 13 Years at Current Residence CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 16 Years in Current Profession | Complete |
| &nbsp;&nbsp;&nbsp;498 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>Loan PIW<br>approved.<br>Clayton to<br>order<br>BPO. | 11/3/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 724 Guidelines allow 620 CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 13 Years at Current Residence CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 16 Years in Current Profession | Complete |
| &nbsp;&nbsp;&nbsp;580 | XXXXXX | XXXXXX | CO | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been working for the same employer for 6 years CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has lived at the current residence for 9 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $149,515.19 or 58.9 months of PITIRequired Reserves are $33,969.36 | Complete |
| &nbsp;&nbsp;&nbsp;527 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 60+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 250+ months with 0x30 Consumer payment history exceeds guidelines of 12 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $94,092.18 or 22.61 months PITI | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;816 | XXXXXX | XXXXXX | GA (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 782 qualifying score exceeds guideline minimum of 620 CFCFS2854: Significant time in profession - Clayton Comments: Borrower has stable employment being self-employed in the same field for the past 10+ years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $625,427.15 or 334. months PITI | Complete |
| &nbsp;&nbsp;&nbsp;557 | XXXXXX | XXXXXX | OR (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>is 4.0.<br>Clayton to<br>order Desk<br>Review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 13 Years and 5 months at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Min credit score required 620. File credit score 793. | Complete |
| &nbsp;&nbsp;&nbsp;538 | XXXXXX | XXXXXX | TX (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of795 is above the required 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80 is below the maximum allowable of 85 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 5.37 is below the maximum allowable 50 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets: $237,474.30 or 52.55 months of PITIA. Required reserves per AUS: $36,914.02. | Complete |
| &nbsp;&nbsp;&nbsp;820 | XXXXXX | XXXXXX | TN (No<br>Data) | ATR/<br>QM:<br>Exempt D A C | Credit | DTI | Satisfied C A | CRDDTI187 | Debt<br>Ratio ><br>50% | No | Lender<br>used rental<br>income<br>without a<br>lease, rent<br>schedule<br>or tax<br>return<br>schedule E<br>filing. The<br>properties<br>rent is on a<br>1065<br>Partnership<br>return<br>which<br>showed a<br>loss on<br>2023 tax<br>return. | 11/14/2025:<br>Received<br>Lender rental<br>income calcs,<br>2024 Sch E -<br>Clayton<br>verified<br>$4,795.94/mo<br>net for<br>subject. DTI<br>is 15.43%.<br>Lower than<br>lender. | 11/14/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Co-borrower has 20 years in current profession CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history | Complete |
| &nbsp;&nbsp;&nbsp;820 | XXXXXX | XXXXXX | TN (No<br>Data) | ATR/<br>QM:<br>Exempt D C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approved<br>with LP<br>with a<br>LCA score<br>of 4.5;<br>Clayton to<br>order a<br>Desk<br>Review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Co-borrower has 20 years in current profession CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;727 | XXXXXX | XXXXXX | RI | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 734. Minimum required 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 22.24%. Max 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 68.07%. Max LTV 85% | Complete |
| &nbsp;&nbsp;&nbsp;530 | XXXXXX | XXXXXX | PA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU<br>score ><br>2.5.<br>Clayton<br>to order<br>desk<br>review. | 10/31/2025:<br>Received<br>CDA<br>supporting<br>value. | 10/31/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 mid score > min required of 620 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1.39% CFCFS2860: Good credit history - Clayton Comments: Consumer debt: 0x30 x greater than 99 months CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.12% DTI < max permitted of 45% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets of $99,338.36 (including fully vested 401k) (34.18 months PITIA reserves) > min reserves required of $17,427.37. | Complete |
| &nbsp;&nbsp;&nbsp;576 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have resided at current residence for 8 years. CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 24 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: 78.76% LTV below guideline requirements of 90% per program. | Complete |
| &nbsp;&nbsp;&nbsp;734 | XXXXXX | XXXXXX | NM | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession - Clayton Comments: b1 27 years in profession CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 13 years at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 783 fico score | Complete |
| &nbsp;&nbsp;&nbsp;892 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in the same profession for over 31 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 0x35x30 months exceeds the required 0x30x12 months. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;723 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>Approved,<br>Clayton to<br>order<br>BPO. | 11/3/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 812 is 192 points above minimum program requirement of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.70% is below the guideline minimum of 45%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $32805.46 which is > guideline minimum. | Complete |
| &nbsp;&nbsp;&nbsp;723 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>Loan PIW<br>approved.<br>Clayton to<br>order<br>BPO. | 11/3/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 812 is 192 points above minimum program requirement of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.70% is below the guideline minimum of 45%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $32805.46 which is > guideline minimum. | Complete |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | XXXXXX | UT | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>returned<br>no score.<br>Clayton to<br>order<br>Desk<br>Review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: 4% consumer credit utilization in file CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying fico is 793. G/l min is 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 326.01 months piti reserves | Complete |
| &nbsp;&nbsp;&nbsp;606 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score<br>could not<br>be<br>assessed.<br>Clayton to<br>order desk<br>review | 11/4/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/4/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 776, exceeds minimum required of 620. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 66.45%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves of $1,853,369 exceed LP required reserves of $6,740.94. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.27% is below maximum of 45%. | Complete |
| &nbsp;&nbsp;&nbsp;621 | XXXXXX | XXXXXX | IN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Compliance | Compliance<br>Manual | Satisfied D A | CMPMAN2956 | Missing<br>disclosure | No | Per<br>Disclosure<br>Tracking<br>and XXX,<br>a CD was<br>issued on<br>XXX<br>which is<br>missing<br>from file. | 11.6.2025<br>- CD<br>XXX<br>received. | 11.6.2025<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.83% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $276,092.51 less $116,113.50 equals $159,979.21 or 53.19 months of PITI > min required reserves of $0 CFCFS1736: Significant time at current residence - Clayton Comments: 5 Years and 1 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments: 30 years and 0 months at current profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Min credit score required 620. File credit score 772. | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;621 | XXXXXX | XXXXXX | IN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero<br>tolerance in<br>the amount of<br>$523.50 as<br>Discount<br>Points<br>increased on<br>CD XXX.<br>COC in file is<br>dated XXX;<br>however, the<br>corresponding<br>disclosure is<br>missing;<br>therefore,<br>increase was<br>not timely<br>disclosed.<br>Condition is<br>pending<br>receipt of CD<br>XXX or PCD<br>reflecting<br>lenders cure,<br>LOE issued<br>to borrower, a<br>copy of<br>refund and<br>proof of<br>delivery<br>including<br>shipping<br>details and<br>tracking<br>information. | 11.6.2025<br>- CD<br>XXX<br>received. | 11.6.2025<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3.83% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $276,092.51 less $116,113.50 equals $159,979.21 or 53.19 months of PITI > min required reserves of $0 CFCFS1736: Significant time at current residence - Clayton Comments: 5 Years and 1 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments: 30 years and 0 months at current profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Min credit score required 620. File credit score 772. | Complete |
| &nbsp;&nbsp;&nbsp;594 | XXXXXX | XXXXXX | FL | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 742 mid score > min required of 620 CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 x65 months (via consecutive payment histories) CFCFS2860: Good credit history - Clayton Comments: Consumer debt: 1x30 (9/2023) x greater than 99 months CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 5.79% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $525,237.11 (138.49 months PITIA reserves) > min required of $28,201.86 | Complete |
| &nbsp;&nbsp;&nbsp;848 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 693 FICO score. Minimum required 620. CFCFS2860: Good credit history - Clayton Comments: Borrower has an excellent credit payment history with 81 months reviewed reporting 0 late payments. | Complete |
| &nbsp;&nbsp;&nbsp;706 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Clayton to<br>Order CDA<br>to Support<br>value of<br>XXX. CU<br>score is 999. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 796 > 176 points of minimum guideline requirements of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 37.05% is above the minimum program requirements of 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV for Subject Property is below guideline max LTV of 90% | Complete |
| &nbsp;&nbsp;&nbsp;623 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV for Subject Property is below guideline max LTV of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments: Calculated DTI of 44.08% is above the minimum program requirements of 50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 767 > 147 points of minimum guideline requirements of 620. | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;728 | XXXXXX | XXXXXX | GA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A C | Credit | Income/<br>Employment | Satisfied C A | CRDINC2488 | Verbal<br>verification<br>of<br>employment<br>missing | No | Missing<br>Verbal<br>VOE for<br>both<br>borrowers<br>has not<br>been<br>uploaded<br>by the<br>Lender. | 11/13/2025:<br>Received<br>8/29/2025<br>paystubs<br>for both<br>borrowers -<br>guides<br>allow for<br>10 business<br>days PCV<br>prior to<br>Note date.<br>They are<br>paid once<br>monthly, so<br>pay is<br>through<br>8/31/2025. | 11/13/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 7 years and 6 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 793 > 173 points of minimum guideline requirements of 620. CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV for Subject Property is below guideline max LTV of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 28.71% is above the minimum program requirements of 45% | Complete |
| &nbsp;&nbsp;&nbsp;728 | XXXXXX | XXXXXX | GA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Clayton<br>to Order<br>CDA to<br>Support<br>value of<br>XXX.<br>LCA<br>score not<br>assessed. | 11/3/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 7 years and 6 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 793 > 173 points of minimum guideline requirements of 620. CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV for Subject Property is below guideline max LTV of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 28.71% is above the minimum program requirements of 45% | Complete |
| &nbsp;&nbsp;&nbsp;865 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession - Clayton Comments: 20 years in profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $2759836.39 or 786.32 months of P&I CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 761 fico score | Complete |
| &nbsp;&nbsp;&nbsp;612 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA not<br>provided.<br>Clayton<br>to order<br>desk<br>review. | (No Data) | Desk<br>review<br>received,<br>value<br>supported.<br>Exception<br>Satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 755 Guidelines allow 620 CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 13 Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $639,505.10 or 308.58 months of PITIANo Reserves Required per AUS | Complete |
| &nbsp;&nbsp;&nbsp;771 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA -<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | Missing<br>Final CD/<br>HUD-1<br>for the<br>Sale of<br>Property<br>located at<br>XXX<br>with<br>monthly<br>payment<br>of<br>$3279.31<br>has not<br>been<br>uploaded<br>by the<br>Lender. | 11/12/2025:<br>Received<br>Final CD<br>showing<br>$3,080.34<br>PITIA. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 35 years and 1 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 792 > 172 points of minimum guideline requirements of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 15.58% is above the minimum program requirements of 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: 72.135% LTV for Subject Property is below guideline max LTV of 90% | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;771 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Legal<br>Documents | Satisfied D A | CRDLGL2550 | Missing<br>HUD-1<br>from<br>sale of<br>property | No | Missing<br>Final<br>CD/<br>HUD-1<br>for the<br>Sale of<br>Property<br>located<br>at XXX<br>with<br>monthly<br>payment<br>of<br>$3279.31<br>has not<br>been<br>uploaded<br>by the<br>Lender. | 11/12/2025:<br>Received<br>Final CD<br>showing<br>$3,080.34<br>PITIA. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 35 years and 1 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 792 > 172 points of minimum guideline requirements of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 15.58% is above the minimum program requirements of 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: 72.135% LTV for Subject Property is below guideline max LTV of 90% | Complete |
| &nbsp;&nbsp;&nbsp;771 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Clayton<br>to Order<br>CDA to<br>Support<br>value of<br>XXX.<br>CU score<br>is 4.2 | 11/3/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 35 years and 1 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 792 > 172 points of minimum guideline requirements of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 15.58% is above the minimum program requirements of 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: 72.135% LTV for Subject Property is below guideline max LTV of 90% | Complete |
| &nbsp;&nbsp;&nbsp;757 | XXXXXX | XXXXXX | OR | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $109,094.94 or 17.55 months of PITIA. Required PITI Reserves are $50,124.89 CFCFS2860: Good credit history - Clayton Comments: Borrower has no history of late payments CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 767 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;589 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements - Clayton Comments: 62.26% LTV below guideline requirements of 75.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 808 is 188 points above program guideline minimum of 620. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 36 months CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | Complete |
| &nbsp;&nbsp;&nbsp;1017 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 774, exceeds minimum of 620. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is 0x30x24+ months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $29,55.48 exceeds minimum required of $13,763.45. | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;674 | XXXXXX | XXXXXX | WI | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCAS<br>returned no<br>score.<br>Clayton to<br>order Desk<br>Review. | 11/4/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/4/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current primary residence, 25 years CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 22.92 years in the same profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 706 credit score; 620 minimum FICO | Complete |
| &nbsp;&nbsp;&nbsp;610 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation to<br>support<br>appraised<br>value. of<br>XXX. CU<br>score in file is<br>2.9. | 10/31/2025:<br>Received<br>CDA<br>supporting<br>value. | 10/31/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 20 years and 1 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 65.956% LTV for Subject Property is below guideline max LTV of 75% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 46.57% is above the minimum program requirements of 50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 684 > 64 points of minimum guideline requirements of 620. | Complete |
| &nbsp;&nbsp;&nbsp;749 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero<br>tolerance in<br>the amount of<br>$20.00 due to<br>increase in<br>Title -<br>Recording<br>Processing<br>Fee and Title<br>- Wire Fee on<br>CD XXX<br>without a<br>valid COC in<br>file.<br>Condition<br>pending<br>receipt of a<br>valid Change<br>of<br>Circumstance,<br>PCD<br>reflecting<br>lenders cure,<br>LOE issued to<br>borrower, a<br>copy of<br>refund and<br>proof of<br>delivery<br>including<br>shipping<br>details and<br>tracking<br>information. | 11.14.2025<br>- Cure<br>received. | 11.14.2025<br>- Exception<br>satisifed (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI 45% File 24.96% CFCFS1736: Significant time at current residence - Clayton Comments: 12 Years and 1 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments: 21 Years and 0 months at current profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $356,305.74 less $100,202.90 equals $256,102.84 or 112.50 months of PITI. Min required reserves are $4,574.85 | Complete |
| &nbsp;&nbsp;&nbsp;860 | XXXXXX | XXXXXX | AZ | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence 22 years. CFCFS2860: Good credit history - Clayton Comments: Borrower demonstrates good credit history. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower does not have any major mortgage related occurrences in the last 24 months. | Complete |
| &nbsp;&nbsp;&nbsp;967 | XXXXXX | XXXXXX | NC | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA/CU<br>score 3.9.<br>Clayton to<br>order desk<br>review. | 11/3/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 75.00% LTV below guideline requirements of 85.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 6 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 797 is 177 points above program guideline minimum of 620. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;981 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 8 years and 2 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 65.00% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 784 is 164 points above program guideline minimum of 620. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1744: DTI below guideline requirement - Clayton Comments: 16.15% DTI is below guideline requirement of 50.00%. | Complete |
| &nbsp;&nbsp;&nbsp;835 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>(or CU)<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75% is less than max of 80%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: On job since 6/30/2012. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: CBR score of 770 exceeds the 620 required. | Complete |
| &nbsp;&nbsp;&nbsp;747 | XXXXXX | XXXXXX | ID | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has occupied the primary residence for 6 years 4 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been self-employed for 9 years 6 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-Closing Assets: $178,390.95 - $60,870.67 required reserves = $117,520.28/$2,792.35 PITIA = 42.09 additional months reserves on subject. | Complete |
| &nbsp;&nbsp;&nbsp;933 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: 11 years at current residence CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8 years at current job CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 8 years at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 738 fico score | Complete |
| &nbsp;&nbsp;&nbsp;879 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 795 > 175 points above guideline program minimum of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 15.33% is above the minimum program requirements of 50% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 20 years and 8 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV for Subject Property is below guideline max LTV of 90% | Complete |

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;846 | XXXXXX | XXXXXX | CO | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $453,356.11 exceed required reserves $28,075.54. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 5 years in same line of work. CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV 75.00% below program maximum 85.00%. | Complete |
| &nbsp;&nbsp;&nbsp;891 | XXXXXX | XXXXXX | AZ | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $234,877.40 exceed DU required of $15,862.27. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 40.09% is below Guidelines 45% maximum. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 61.76% is below Guidelines 85% maximum. | Complete |
| &nbsp;&nbsp;&nbsp;850 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 11/3/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34.10 is below Guidelines 45% maximum. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75% is below Guidelines 90% maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $58,498.74 exceed LP required of $4,846.76. | Complete |
| &nbsp;&nbsp;&nbsp;849 | XXXXXX | XXXXXX | MI | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 43.25% is below Guidelines maximum of 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below Guidelines 85% maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $86,813.05 exceed LP required of $17,430.54. | Complete |
| &nbsp;&nbsp;&nbsp;742 | XXXXXX | XXXXXX | NV | (No<br>Data) | ATR/<br>QM:<br>Exempt C A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance<br>Effective<br>date is<br>greater<br>than the<br>transaction<br>date | No | Note<br>dated<br>XXX,<br>HOI<br>Policy<br>dated<br>9/22/2025 | 11/11/2025:<br>Received<br>updated<br>HOI<br>effective<br>XXX. | 11/11/2025:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $205,453.82 or 85.24 months of PITI Required PITI Reserves are $2351.54 x 6.27 = $14,746.78 . CFCFS1737: LTV below guideline requirements - Clayton Comments: Maximum LTV 85% Current LTV 75% CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower on job over 17 years | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;969 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned primary / current residence for 11+ years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 770 qualifying score exceeds guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $497,419.15 reserves in file or 215.30 months PITI > min required reserves of $5,133.64 | Complete |
| &nbsp;&nbsp;&nbsp;877 | XXXXXX | XXXXXX | NV | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 12 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has >13 years at current job | Complete |
| &nbsp;&nbsp;&nbsp;855 | XXXXXX | XXXXXX | NV | (No<br>Data) | ATR/<br>QM:<br>Exempt C A | Credit | Income/<br>Employment | Satisfied C A | CRDINC888 | Income<br>Amount is<br>Unsupported<br>by<br>Documentation<br>in File | No | Missing<br>documentation<br>to support<br>2024<br>extensions to<br>IRS to support<br>use of 2023<br>returns for<br>calculating<br>qualifying<br>income. | 11/14/2025:<br>Received<br>2024 Form<br>4868. | 11/14/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 753 > 133 points of minimum guideline requirements of 620. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 25.07% is above the minimum program requirements of 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: 61.258% LTV for Subject Property is below guideline max LTV of 85% | Complete |
| &nbsp;&nbsp;&nbsp;805 | XXXXXX | XXXXXX | TN | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 mid score > min required of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves of $166,996.38 or 87.78 months PITI reserves exceed AUS required reserves of $12,735.43. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 41.65 is below guideline max of 45% | Complete |
| &nbsp;&nbsp;&nbsp;868 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 13 yrs 1 mos CFCFS5269: Minimal use of credit - Clayton Comments: 6.24% revolving utilization CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score 750 exceeds GL 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $2,302,050.28 (601.24 months PITIA reserves) > min required reserves of $25,060.12 | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;804 | XXXXXX | XXXXXX | NC | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has lived at the current residence for 6 years CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reporting to credit is positive. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $290,402.18 or 153.56 months of PITI Required Reserves are $16,373.39 | Complete |
| &nbsp;&nbsp;&nbsp;852 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | State<br>Consumer<br>Protection | Satisfied D A | CMPSTCP2057 | Illinois<br>Pred Lend<br>Database -<br>No Cert of<br>Compliance<br>or Cert of<br>Exemption<br>in file | No | Provide<br>Cert of<br>Compliance<br>or Cert of<br>Exemption | 11/14/2025:<br>Required<br>doc<br>received. | 11/14/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 32 yrs CFCFS1736: Significant time at current residence - Clayton Comments: 16 yrs 2 mos CFCFS1734: Borrower has significant time at current job - Clayton Comments: 32 yrs CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 qualifying credit score exceeds GL 620 | Complete |
| &nbsp;&nbsp;&nbsp;791 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 38.77 % is below Guidelines 45% maximum. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75% is below Guidelines 90% maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $114,377.03 exceed DU required of $5,865.95 | Complete |
| &nbsp;&nbsp;&nbsp;808 | XXXXXX | XXXXXX | NC | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 6 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV below guideline requirements of 85% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 770 exceeds the guideline program minimum of 620. | Complete |
| &nbsp;&nbsp;&nbsp;743 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $139,399.49 (30.54 months PITIA reserves) > min required reserves of $0.00 CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 15 years & 3 months at current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 5 years & 9 months at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 817 FICO exceeds minimum 620. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower Mortgage payment 0x30x63 | Complete |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;703 | XXXXXX | XXXXXX | CA (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 749 is 129 points above the 620 FICO required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $142,289.29 is $125,981.17 greater than the $16,308.12 reserves required. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 21 years at current job. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 15 years 7 months at current job. | Complete |
| &nbsp;&nbsp;&nbsp;692 | XXXXXX | XXXXXX | VA (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 FICO exceeds minimum 620. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 10 years & 5 months at current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 5 years & 5 months at current residence | Complete |
| &nbsp;&nbsp;&nbsp;1022 | XXXXXX | XXXXXX | PA (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or<br>CU) score<br>is >2.5.<br>Clayton to<br>order<br>deskreview. | 11/4/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/4/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 32.19 is less than the max of 45. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: CBR score of 787 exceeds the 620 required. | Complete |
| &nbsp;&nbsp;&nbsp;753 | XXXXXX | XXXXXX | DE (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 742 Guidelines allow 620 CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $487,418.42 or 230.35 months of PITIAReserves Required per AUS = $42,845.84 | Complete |
| &nbsp;&nbsp;&nbsp;736 | XXXXXX | XXXXXX | WA (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 80%. Max 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 775. Minimum required 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Closing assets $179,990.98-$603 OPEN AMEX= $179,387.98 or 58.12 months PITI reserves. Required $8,520.44 | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;792 | XXXXXX | XXXXXX | WA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score ><br>2.5. Clayton<br>to order desk<br>review | 11/3/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 23.11 years current residence CFCFS1734: Borrower has significant time at current job - Clayton Comments: 17.3 years current job time CFCFS5269: Minimal use of credit - Clayton Comments: 3.73% revolving credit utilization CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;993 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or CU)<br>score is >2.5.<br>Clayton to<br>order desk<br>review. | 11/3/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 749 credit score exceeds minimum FICO score by 129 points CFCFS1739: Positive mortgage payment history - Clayton Comments: No lates listed for various mortgages CFCFS2860: Good credit history - Clayton Comments: Good overall credit history | Complete |
| &nbsp;&nbsp;&nbsp;710 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA -<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to<br>complete<br>the ATR/<br>QM<br>review<br>and render<br>an<br>accurate<br>ATR/QM<br>status. | No | Missing<br>Verbal<br>Verification<br>of B1 XXX<br>reported on<br>Schedule C<br>data within<br>tolerance of<br>guidelines.<br>No VVOE<br>located in<br>file. | 11/17/2025:<br>Received<br>proof of<br>business<br>existence<br>and active. | 11/17/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 50 years at current XXX job CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history | Complete |
| &nbsp;&nbsp;&nbsp;710 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliate<br>Business<br>Disclosure. | (No Data) | (No Data) | (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 50 years at current XXX job CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history | Complete |
| &nbsp;&nbsp;&nbsp;710 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | CMPTRID5293 | TRID Not<br>all<br>required<br>seller-paid<br>fees were<br>disclosed<br>on the CD | No | Seller fees<br>listed on<br>Seller CD<br>but not<br>Borrower<br>final CD. As<br>the fees are<br>at least<br>reflected<br>there is no<br>material<br>issue. This<br>exception is<br>informational<br>per Clayton<br>Compliance<br>department<br>and TRID<br>2.0 revisions.<br>Exception<br>satisfied.<br>Final Grade<br>A. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 50 years at current XXX job CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;710 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Income/<br>Employment | Satisfied C A | CRDINC2488 | Verbal<br>verification<br>of<br>employment<br>missing | No | Missing<br>Verbal<br>Verification<br>of B1 XXX<br>reported on<br>Schedule C<br>data within<br>tolerance of<br>guidelines.<br>No VVOE<br>located in<br>file. | 11/17/2025:<br>Received<br>proof of<br>business<br>existence<br>and active. | 11/17/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 50 years at current XXX job CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history | Complete |
| &nbsp;&nbsp;&nbsp;824 | XXXXXX | XXXXXX | AZ | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 5.08 years at the primary residence CFCFS2854: Significant time in profession - Clayton Comments: B2 has 30 years in the same profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $156,055.23 or 67.51 months of PITIRequired Reserves are $36,805.54 | Complete |
| &nbsp;&nbsp;&nbsp;882 | XXXXXX | XXXXXX | GA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 758 FICO score is above the 620 min. CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV is below the 85% max CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $186547.99 in reserves with only $18747.54 required. | Complete |
| &nbsp;&nbsp;&nbsp;984 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV below guideline requirements of 85% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 750 exceeds the guideline program minimum of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $54,761.63 or 13.97 months PITI , Required PITI Reserves are $26,488.30 | Complete |
| &nbsp;&nbsp;&nbsp;1044 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 755 > is above guideline minimum credit score 620. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 38 years. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;859 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt C A | Credit | Income/<br>Employment | Satisfied C A | CRDINC2488 | Verbal<br>verification<br>of<br>employment<br>missing | No | Missing<br>required<br>Verbal VOE<br>within 10<br>days of note<br>date for<br>Borrower<br>XXX.Missing<br>required<br>Verbal VOE<br>within 10<br>days of note<br>date for Co-<br>Borrower<br>XXX. | 11/14/2025:<br>Received<br>XXX<br>paystub for<br>B1, XXX<br>paystub for<br>B2 - both<br>meet 10 day<br>PCV<br>requirement. | 11/14/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current primary residence, 15.67 years CFCFS2854: Significant time in profession - Clayton Comments: B1 has significant time in profession 25.25 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 credit score; Minimum FICO is 620 | Complete |
| &nbsp;&nbsp;&nbsp;917 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Credit | Terms/<br>Guidelines | Satisfied D A | CRDTER2548 | Missing<br>AUS or<br>AUS errors<br>present | No | Provide all<br>pages of the<br>latest LP<br>Findings run<br>for this loan.<br>The LP cert<br>in the file is<br>for the<br>collateral<br>only. | 11/6/2025:<br>Received<br>LP #3. | 11/6/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 815 above minimum of 620 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 31.07% below max of 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75% below max of 85% | Complete |
| &nbsp;&nbsp;&nbsp;1023 | XXXXXX | XXXXXX | GA | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU returned<br>no score.<br>Clayton to<br>order Desk<br>Review. | 11/3/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 27% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | Complete |
| &nbsp;&nbsp;&nbsp;921 | XXXXXX | XXXXXX | KY | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 26.16% is below Guidelines 45% maximum. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 70% is below Guidelines 75% maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $40,229.64 exceed LP required of $12,202.26. | Complete |
| &nbsp;&nbsp;&nbsp;972 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Income/<br>Employment | Active B | CRDINC2496 | Verbal<br>verification<br>of<br>employment<br>completed<br>outside the<br>stated<br>requirements<br>and/or after<br>closing/<br>funding | No | Provide 10<br>day PCV.<br>VOE in file is<br>dated XXX<br>which is<br>more than 10<br>business days<br>from the<br>XXX Note<br>date. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 37.99% is below Guidelines 45% maximum. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75% is below Guidelines 90% maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $28,011.82 exceed $0.00 required. | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;972 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>is not<br>available.<br>Clayton to<br>order desk<br>review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 37.99% is below Guidelines 45% maximum. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75% is below Guidelines 90% maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $28,011.82 exceed $0.00 required. | Complete |
| &nbsp;&nbsp;&nbsp;953 | XXXXXX | XXXXXX | NJ | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation:<br>No LCA<br>score<br>established.<br>Clayton to<br>order desk<br>review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV 70.00% below program maximum 75.00%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 43 mos. 0x30, 20 mos. 0x30 and 18 mos. 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $119,470.96 exceed required reserves $34,292.96. | Complete |
| &nbsp;&nbsp;&nbsp;955 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 FICO score is above the 620 min. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $180053.69 in reserves is above the required $15176.23 | Complete |
| &nbsp;&nbsp;&nbsp;947 | XXXXXX | XXXXXX | MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 11/3/2025<br>Received<br>BPO.<br>Value<br>supported<br>with value<br>+ 16.35%. | 11/3/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 FICO score is above the 620 min. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 25.17% is below the 45% max. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $501873.96 in reserves is above the 0 required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 69.182% LTV is below the 90% max. | Complete |
| &nbsp;&nbsp;&nbsp;947 | XXXXXX | XXXXXX | MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>Loan<br>approved<br>with PIW.<br>Clayton to<br>order PIW. | 11/3/2025<br>Received<br>BPO.<br>Value<br>supported<br>with value<br>+ 16.35%. | 11/3/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 FICO score is above the 620 min. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 25.17% is below the 45% max. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $501873.96 in reserves is above the 0 required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 69.182% LTV is below the 90% max. | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;960 | XXXXXX | XXXXXX | CA (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in the same profession over 20 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 70%. Max 85%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 797. Minimum required 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Closing Assets $10,531,169.17 or 1,623.64 months PITI reserves. Required Reserves $57,418.76 | Complete |
| &nbsp;&nbsp;&nbsp;1036 | XXXXXX | XXXXXX | CA (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>returned<br>no<br>score.<br>Clayton<br>to order<br>Desk<br>Review. | 11/3/2025<br>Received<br>desk<br>review.<br>Value<br>supported<br>with 0%<br>variance. | 11/3/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 11 years and 5 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 788 > 168 points of minimum guideline requirements of 620. CFCFS1737: LTV below guideline requirements - Clayton Comments: 61.29% LTV for Subject Property is below guideline max LTV of 75% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 48.41% is above the minimum program requirements of 50% | Complete |
| &nbsp;&nbsp;&nbsp;944 | XXXXXX | XXXXXX | FL (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history - Clayton Comments: Good credit history with no late payments or derogatory events CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 32%/max 50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO 785/ minimum 620 | Complete |
| &nbsp;&nbsp;&nbsp;962 | XXXXXX | XXXXXX | OR (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x82 mortgage payment history CFCFS2854: Significant time in profession - Clayton Comments: B2 has significant time in profession, 26.33 years CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 9.08 years at the primary residence | Complete |
| &nbsp;&nbsp;&nbsp;987 | XXXXXX | XXXXXX | TX (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 771 > is above guideline minimum credit score 620. CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 6 years. | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;1009 | XXXXXX | XXXXXX FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 11/3/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 18 years 6 months. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job, 11 years 18 months. CFCFS1736: Significant time at current residence - Clayton Comments: Co-borrower has significant time at current residence, 11 years 2 months. CFCFS2860: Good credit history - Clayton Comments: Good credit history 0X30X194. | Complete |
| &nbsp;&nbsp;&nbsp;978 | XXXXXX | XXXXXX NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 810 exceeds minimum of 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 exceeds 24 month review CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 25.23 below max of 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $881,594.76 (160.58 months PITIA reserves) > in required reserves of $191,025.50 | Complete |
| &nbsp;&nbsp;&nbsp;975 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 802. Minimum required 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Closing assets $17,997.67 or 8.18 months PITI reserves. Required reserves $4,402.92 CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have been at their current residence for over 10 years | Complete |
| &nbsp;&nbsp;&nbsp;999 | XXXXXX | XXXXXX NC | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score is<br>> 2.5.<br>Clayton<br>to order<br>desk<br>review. | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $72,800.07 or 23.96 months which exceeds the required $22,069.30 or 7.26 months reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 808 exceeds the guideline minimum of 620. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75% is below the maximum 85% | Complete |
| &nbsp;&nbsp;&nbsp;1028 | XXXXXX | XXXXXX GA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 7 years and 7 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 14 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 75.00% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 718 is 98 points above program guideline minimum of 680. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;1021 | XXXXXX | XXXXXX | UT | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV 73.86% below program maximum 85.00%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 76 mos. 0x30, 72 mos. 0x30, 92 mos. 0x30, 15 mos. 0x30 and 69 mos. 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $976,945.44 exceed required reserves $116,596.66. | Complete |
| &nbsp;&nbsp;&nbsp;1002 | XXXXXX | XXXXXX | VT | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34.39% is below Guidelines 45% maximum. CFCFS2854: Significant time in profession - Clayton Comments: B2 has been 7 years and 7 months in current profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $237,992.75 greatly exceed required of $39,216.73. | Complete |
| &nbsp;&nbsp;&nbsp;1041 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Post Close Assets are $65,987.06, or 32.49 months of PITIA. Required reserves are $22,697.84. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 8 years 7 months at current residence. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 17 years 4 months at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 778 is 158 points above the 620 FICO required. | Complete |
| &nbsp;&nbsp;&nbsp;1013 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Terms/<br>Guidelines | Satisfied D A | CRDTER2548 | Missing<br>AUS or<br>AUS<br>errors<br>present | No | Missing<br>complete<br>DU<br>findings<br>submission<br>8 sections<br>12 & 13. | 11/6/2025:<br>Received all<br>pages of DU

#8. #13 is<br>not listed,<br>but<br> Employment/Income<br>requirements<br>are in the<br>Findings. | 11/6/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified assets of $798,181.47; assets required to close $0.00. Verified reserves of $798,181.47; required reserves of $2,349.41 x 6 = $14,096.46. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed at current employer since 2/24/2020. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 784 is > the minimum credit score of 620. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history reviewed for the subject for 99 months with 0x 30. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 35.10% is < the maximum DTI of 45%. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;1013 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation.<br>CU risk<br>score is N/<br>A. Clayton<br>to order<br>desk<br>review | 11/5/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/5/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified assets of $798,181.47; assets required to close $0.00. Verified reserves of $798,181.47; required reserves of $2,349.41 x 6 = $14,096.46. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed at current employer since 2/24/2020. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 784 is > the minimum credit score of 620. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history reviewed for the subject for 99 months with 0x 30. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 35.10% is < the maximum DTI of 45%. | Complete |
| &nbsp;&nbsp;&nbsp;974 | XXXXXX | XXXXXX | IL | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history - Clayton Comments: 0 x 30 in 34 months CFCFS2860: Good credit history - Clayton Comments: 0 x 30 in 71 months | Complete |
| &nbsp;&nbsp;&nbsp;994 | XXXXXX | XXXXXX | CA | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession - Clayton Comments: B1 has been employed in profession 18 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $91,079.80 or 35.09 months which exceeds the required reserves of $15,574.50 or 3.91 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified credit score of 792 exceeds the guideline minimum of 620. | Complete |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | OR | (No<br>Data) | ATR/<br>QM:<br>Exempt D A | Property<br>Valuations | Appraisal | Active D | PRVAAPPR275 | Completed<br>"Subject<br>To" w/o<br>Completion<br>Cert in File | Yes | Missing<br>Appraisal<br>form<br>1004D or<br>Builder<br>completion<br>certificate;<br>appraisal<br>completed<br>subject to. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned primary / current residence for 26+ years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 29.93% < guideline maximum of 85%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $137,486.95 reserves in file or 62.25 months PITI. AUS Reserves required of $14,868.44. | Complete |
| &nbsp;&nbsp;&nbsp;1001 | XXXXXX | XXXXXX | TX | (No<br>Data) | ATR/<br>QM:<br>Exempt A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 > min. requirement of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $1,004,569.49 or 287.33 months of PITIA Required AUS PITIA Reserves are $25,615.37 | Complete |

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| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2025-INV12 Securitization_J16299** |
| **Start - End Dates:** | **10/16/2025 - 10/30/2025** |
| **Deal Loan Count:** | **848** |
|  *Report Run Date:* | *11/20/2025 2:49 PM* |

---

**Conditions Report 2.0** 

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| | |
|:---|:---|
| ***Loans in Report:*** | *390* |
| ***Loans with Conditions:*** | *209* |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;1064 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1065 | XXXXXX | XXXXXX | XXXXXX C A | No |
| &nbsp;&nbsp;&nbsp;1066 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;1067 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1068 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;655 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;153 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;895 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;137 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;124 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;133 | XXXXXX | XXXXXX | XXXXXX D A C | No |
| &nbsp;&nbsp;&nbsp;444 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;777 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;445 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;135 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;130 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;136 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;146 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;175 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;154 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;785 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;142 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;152 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;149 | XXXXXX | XXXXXX | XXXXXX D C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;290 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;643 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;178 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;176 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;425 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;442 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;120 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;651 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;446 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;649 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;437 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;837 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;717 | XXXXXX | XXXXXX | XXXXXX D C | No |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;718 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;435 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;519 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;719 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;647 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;775 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;456 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;842 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;447 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;778 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;840 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;780 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;664 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;721 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;450 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;17 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1026 | XXXXXX | XXXXXX | XXXXXX A | Yes |
| &nbsp;&nbsp;&nbsp;2 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;660 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;841 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;439 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;466 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;465 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;16 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1070 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;1071 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;1072 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;1073 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1088 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1074 | XXXXXX | XXXXXX | XXXXXX D A C | No |
| &nbsp;&nbsp;&nbsp;1075 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1076 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;1077 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;1078 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1080 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1081 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;1082 | XXXXXX | XXXXXX | XXXXXX C A | No |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | XXXXXX | XXXXXX D B C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;605 | XXXXXX | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;901 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1060 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;95 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;411 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;603 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;352 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;708 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;315 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;357 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;62 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;94 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;616 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;618 | XXXXXX | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;607 | XXXXXX | XXXXXX | XXXXXX D C A B | Not Applicable |
| &nbsp;&nbsp;&nbsp;396 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;355 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;349 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;398 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;588 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;392 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;364 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;391 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;400 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | XXXXXX D C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;591 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;1049 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;629 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;52 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;579 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;600 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;482 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;378 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;615 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;873 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;592 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;834 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;311 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;1010 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;410 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;388 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;394 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;306 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;27 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;332 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;79 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;96 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;711 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;347 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;705 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;626 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;811 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;109 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;634 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;412 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;635 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;699 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;41 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;360 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;986 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1038 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;356 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;948 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;590 | XXXXXX | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;793 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;916 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;611 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;312 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;15 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;973 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;48 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;304 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;954 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;762 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;573 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;546 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1053 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;275 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;226 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;284 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;271 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;252 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;495 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;239 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;262 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;328 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;308 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;251 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;277 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;422 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;205 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;189 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;790 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;803 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;1020 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;193 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;162 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;325 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1007 | XXXXXX | XXXXXX | XXXXXX C A | No |
| &nbsp;&nbsp;&nbsp;310 | XXXXXX | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;992 | XXXXXX | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;265 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;367 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;250 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;182 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;160 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;204 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;157 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;168 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;346 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;199 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;942 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;249 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;38 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;539 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;503 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;254 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;1031 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;280 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;335 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;267 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;214 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;551 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;305 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;542 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;340 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;985 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;789 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;373 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;260 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;764 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;826 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;889 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;828 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;273 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;372 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;472 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | XXXXXX | XXXXXX D C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;307 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | XXXXXX | XXXXXX D C A | No |
| &nbsp;&nbsp;&nbsp;480 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;934 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;922 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;924 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;467 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;470 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;510 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;344 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;402 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;833 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;982 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;680 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;750 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;695 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;959 | XXXXXX | XXXXXX | XXXXXX D B C A | No |
| &nbsp;&nbsp;&nbsp;533 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;830 | XXXXXX | XXXXXX | XXXXXX D C A | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;491 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;540 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;571 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;574 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;497 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;568 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;569 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;964 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;702 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;690 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | XXXXXX | XXXXXX C A | No |
| &nbsp;&nbsp;&nbsp;689 | XXXXXX | XXXXXX | XXXXXX C A | No |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;529 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;963 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;857 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;549 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;556 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;513 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;979 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;498 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;580 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;527 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;816 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;557 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;538 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;820 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;727 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;530 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;576 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;734 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;892 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;723 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;606 | XXXXXX | XXXXXX | XXXXXX D A | No |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;621 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;594 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;848 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;706 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;623 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;728 | XXXXXX | XXXXXX | XXXXXX D A C | No |
| &nbsp;&nbsp;&nbsp;865 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;612 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;771 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;757 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;589 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1017 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;674 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;610 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;749 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;860 | XXXXXX | XXXXXX | XXXXXX A | Yes |
| &nbsp;&nbsp;&nbsp;967 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;981 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;835 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;747 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;933 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;879 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;846 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;891 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;850 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;849 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;742 | XXXXXX | XXXXXX | XXXXXX C A | No |
| &nbsp;&nbsp;&nbsp;969 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;877 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;855 | XXXXXX | XXXXXX | XXXXXX C A | No |
| &nbsp;&nbsp;&nbsp;805 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;868 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;804 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;852 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;791 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;808 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;743 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;703 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;692 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1022 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;753 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;736 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;792 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;993 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;710 | XXXXXX | XXXXXX | XXXXXX D B C A | No |
| &nbsp;&nbsp;&nbsp;824 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;882 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;984 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1044 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;859 | XXXXXX | XXXXXX | XXXXXX C A | No |
| &nbsp;&nbsp;&nbsp;917 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1023 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;921 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;972 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;953 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;955 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;947 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;960 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1036 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;944 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;962 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;987 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1009 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;978 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;975 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;999 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1028 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1021 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;1002 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1041 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1013 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;974 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;994 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;1001 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |

---

## Exhibit 99.3

**EXHIBIT 99.3** 

**CLAYTON RATING AGENCY ATR QM DATA FIELDS** 

------

---

| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **PNMAC PMTLT 2025-INV12 Securitization_J16299** | **PNMAC PMTLT 2025-INV12 Securitization_J16299** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *390* |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and<br>Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Residual<br>Income<br>Analysis in<br>File** | **ATR/<br>QM<br>Residual<br>Income** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;1064 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1065 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.999 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1066 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1067 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1068 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;655 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.0033 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;153 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 7125.5 | XXXXXX | 6.6739 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;895 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8088 | XXXXXX | 7.1873 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8724.46 | XXXXXX | 7.6176 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;137 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;124 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.75 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;133 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9435 | XXXXXX | 7.1739 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;444 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 14688 | XXXXXX | 7.7931 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;777 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;445 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5229.25 | XXXXXX | 6.6077 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;135 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8239.7 | XXXXXX | 6.6433 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;130 | XXXXXX | QM: Rebuttable Presumption (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7890.88 | XXXXXX | 8.1688 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;136 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;146 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.75 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 12272 | XXXXXX | 7.6386 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;175 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3265.03 | XXXXXX | 6.7209 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 0 | Complete |
| &nbsp;&nbsp;&nbsp;154 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9909.11 | XXXXXX | 7.5077 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;785 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7414.68 | XXXXXX | 7.3556 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;142 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.8202 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6478 | XXXXXX | 7.1711 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;152 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.9368 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;149 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;290 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7494 | XXXXXX | 7.3175 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;643 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 7351.55 | XXXXXX | 6.7044 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;178 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.499 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;176 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5111 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;425 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9901 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;442 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6434.25 | XXXXXX | 7.2196 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;120 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.4067 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;651 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;446 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;649 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3643 | XXXXXX | 6.7928 | Employed | (No Data) | Permanent Resident Alien | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;437 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;837 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7840 | XXXXXX | 7.5694 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;717 | XXXXXX | ATR/QM: Status Pending | No | XXXXXX | XXXXXX | Yes | No | 3670.6 | XXXXXX | 6.6614 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;718 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1088 | XXXXXX | 6.6444 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 20747.27 | Complete |
| &nbsp;&nbsp;&nbsp;435 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 12113 | XXXXXX | 6.7739 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;519 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;719 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8898 | XXXXXX | 7.1972 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;647 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10116.13 | XXXXXX | 6.5035 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;775 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.374 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;456 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.9146 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;842 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;447 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.577 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;778 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9989 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;840 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;780 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.124 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Residual<br>Income<br>Analysis in<br>File** | **ATR/<br>QM<br>Residual<br>Income** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1160 | XXXXXX | 6.8962 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1595 | XXXXXX | 6.6057 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;664 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.999 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;721 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.75 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;450 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;17 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1026 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2672.58 | XXXXXX | 6.3767 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;2 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5949.02 | XXXXXX | 6.8894 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;660 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;841 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3115.69 | XXXXXX | 6.9802 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;439 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3457.61 | XXXXXX | 7.065 | Retired | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;466 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4032.43 | XXXXXX | 7.7001 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;465 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2323.25 | XXXXXX | 6.7777 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;16 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3890.84 | XXXXXX | 7.5052 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1070 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2262.5 | XXXXXX | 7.102 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1071 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1200 | XXXXXX | 8.0965 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1072 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1073 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 998 | XXXXXX | 7.9959 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1088 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 7.8231 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | Yes | 23478.51 | Complete |
| &nbsp;&nbsp;&nbsp;1074 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.4642 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1075 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.25 | Retired | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1076 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1077 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3111.52 | XXXXXX | 7.6264 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1078 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1539 | XXXXXX | 7.9714 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1080 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1640 | XXXXXX | 7.3414 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1081 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4001 | XXXXXX | 7.4645 | Employed | Retired | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1082 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.5 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 12100.5 | XXXXXX | 6.7734 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;605 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3750.6 | XXXXXX | 7.2257 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1697.6 | XXXXXX | 7.2305 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;901 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1195 | XXXXXX | 7.0449 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1192 | XXXXXX | 7.5577 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1060 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;95 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.49 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2145 | XXXXXX | 7.3345 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;411 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.625 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;603 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;352 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;708 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1069 | XXXXXX | 6.6149 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;315 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;357 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2394 | XXXXXX | 6.6677 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1499 | XXXXXX | 6.9854 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;62 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.7021 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;94 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1235 | XXXXXX | 6.6666 | Retired | Retired | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;616 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6153.5 | XXXXXX | 6.6192 | Retired | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;618 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1320 | XXXXXX | 6.9046 | Retired | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;607 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3325 | XXXXXX | 6.8707 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;396 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1642 | XXXXXX | 7.0252 | Retired | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1015 | XXXXXX | 7.1086 | Retired | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;355 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1745 | XXXXXX | 7.0565 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;349 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;398 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1575 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;588 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1995 | XXXXXX | 6.7767 | Retired | Retired | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5390.95 | XXXXXX | 7.0171 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Residual<br>Income<br>Analysis in<br>File** | **ATR/<br>QM<br>Residual<br>Income** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;392 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.6251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6102.38 | XXXXXX | 7.1056 | Retired | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.4511 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;364 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1560 | XXXXXX | 7.0206 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;391 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1515 | XXXXXX | 7.4502 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;400 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.0297 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4809.9 | XXXXXX | 7.83 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;591 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1049 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 510 | XXXXXX | 6.5459 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 0 | Complete |
| &nbsp;&nbsp;&nbsp;629 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3397.5 | XXXXXX | 7.0609 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;52 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 45 | XXXXXX | 6.6589 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 0 | Complete |
| &nbsp;&nbsp;&nbsp;579 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.9477 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;600 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2357.6 | XXXXXX | 7.5246 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 0 | Complete |
| &nbsp;&nbsp;&nbsp;482 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 975 | XXXXXX | 6.8183 | Retired | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;378 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 995 | XXXXXX | 6.9141 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;615 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;873 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2485 | XXXXXX | 6.9441 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;592 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 8.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;834 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1640 | XXXXXX | 7.4429 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;311 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1010 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9901 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;410 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1480 | XXXXXX | 7.2012 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;388 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;394 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.0473 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;306 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1675 | XXXXXX | 7.0722 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;27 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3283 | XXXXXX | 6.5189 | Retired | Retired | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;332 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;79 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1460 | XXXXXX | 7.5118 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;96 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1460 | XXXXXX | 7.5079 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.4785 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;711 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;347 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5095 | XXXXXX | 7.2335 | Retired | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | ATR/QM: Status Pending | No | XXXXXX | XXXXXX | Yes | No | 1640 | XXXXXX | 7.0451 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;705 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1720 | XXXXXX | 7.4484 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;626 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;811 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;109 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;634 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1200 | XXXXXX | 6.8273 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;412 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;635 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.49 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;699 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;41 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;360 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2200 | XXXXXX | 7.5686 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;986 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4077.5 | XXXXXX | 6.9649 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1038 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;356 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.3346 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | QM: Rebuttable Presumption (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 8.2329 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 6164.93 | Complete |
| &nbsp;&nbsp;&nbsp;948 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;590 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2859 | XXXXXX | 7.5509 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;793 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2454.18 | XXXXXX | 6.7744 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;916 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7 | Employed | Unemployed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;611 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 0 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;312 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6426.21 | XXXXXX | 7.817 | Employed | (No Data) | Permanent Resident Alien | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;15 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Residual<br>Income<br>Analysis in<br>File** | **ATR/<br>QM<br>Residual<br>Income** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;973 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 950 | XXXXXX | 6.6859 | Employed | Retired | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;48 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7746 | XXXXXX | 7.8683 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;304 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 7.0764 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;954 | XXXXXX | QM: Rebuttable Presumption (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1458 | XXXXXX | 8.3511 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;762 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;573 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;546 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.5001 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1053 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1765 | XXXXXX | 7.1877 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.7188 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1230 | XXXXXX | 7.1925 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.5863 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;275 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.75 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;226 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;284 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.6251 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;271 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;252 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.5001 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;495 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.5001 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.5001 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;239 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.25 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;262 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.8751 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;328 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.75 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;308 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.75 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;251 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;277 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.75 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;422 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.9238 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;205 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.562 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;189 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;790 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6074.8 | XXXXXX | 7.5869 | Retired | Retired | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;803 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1020 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;193 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1545 | XXXXXX | 7.3017 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;162 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1915 | XXXXXX | 6.5371 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;325 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1007 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3090 | XXXXXX | 7.437 | Retired | Retired | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;310 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8748.09 | XXXXXX | 6.6147 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;992 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;265 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;367 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;250 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4090 | XXXXXX | 7.7202 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;182 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;160 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 7.252 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;204 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 7.252 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;157 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 44.43 | XXXXXX | 7.3771 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;168 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1525 | XXXXXX | 6.7214 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;346 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;199 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1965.8 | XXXXXX | 6.912 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;942 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 4850.11 | XXXXXX | 7.9697 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1958 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;249 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.875 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.875 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;38 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 100 | XXXXXX | 6.658 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;539 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1360 | XXXXXX | 7.2019 | Retired | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;503 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1539 | XXXXXX | 7.3989 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;254 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1031 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.9189 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;280 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2268.75 | XXXXXX | 6.2691 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |

---

------

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Residual<br>Income<br>Analysis in<br>File** | **ATR/<br>QM<br>Residual<br>Income** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;335 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 5.6251 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;267 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1445 | XXXXXX | 7.3143 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;214 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.49 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;551 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.5 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;305 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1914 | XXXXXX | 7.0895 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.757 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;542 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;340 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;985 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.5001 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;789 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.75 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;373 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2940 | XXXXXX | 7.1332 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;260 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1595 | XXXXXX | 7.3174 | Retired | (No Data) | U.S. Citizen | (No Data) | Yes | 8011.2 | Complete |
| &nbsp;&nbsp;&nbsp;764 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.25 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;826 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;889 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;828 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;273 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1515 | XXXXXX | 7.6435 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;372 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;472 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6444.41 | XXXXXX | 7.3245 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1487.8 | XXXXXX | 7.1856 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 990 | XXXXXX | 7.425 | Retired | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;307 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2940 | XXXXXX | 7.5202 | Retired | Retired | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.2874 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;480 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;934 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.4457 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;922 | XXXXXX | QM: Rebuttable Presumption (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5467.25 | XXXXXX | 8.5236 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;924 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.9463 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;467 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.3754 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;470 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;510 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;344 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2900 | XXXXXX | 7.0154 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;402 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;833 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;982 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1790 | XXXXXX | 6.9585 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 0 | Complete |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.8638 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;680 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1576 | XXXXXX | 7.22 | Unemployed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;750 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;695 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4732.68 | XXXXXX | 7.1146 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;959 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;533 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2710 | XXXXXX | 6.9305 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;830 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 4894.58 | XXXXXX | 7.2362 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;491 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 449.91 | XXXXXX | 6.6104 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;540 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.75 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;571 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;574 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;497 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;568 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 8.25 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;569 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;964 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;702 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.694 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;690 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | Yes | No | 9583.2 | XXXXXX | 7.5739 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;689 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;529 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2090 | XXXXXX | 6.9961 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;963 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Residual<br>Income<br>Analysis in<br>File** | **ATR/<br>QM<br>Residual<br>Income** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;857 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5695 | XXXXXX | 6.3782 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;549 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;556 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;513 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;979 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.99 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;498 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2783.48 | XXXXXX | 7.4138 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;580 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;527 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.2571 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;816 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;557 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;538 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;820 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;727 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.0719 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;530 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;576 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10286.27 | XXXXXX | 7.3783 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;734 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;892 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 6779 | XXXXXX | 6.466 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;723 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3284 | XXXXXX | 6.4912 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;606 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1295 | XXXXXX | 6.6667 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;621 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2393.45 | XXXXXX | 7.5607 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;594 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;848 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2040 | XXXXXX | 7.4657 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;706 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9943.68 | XXXXXX | 6.6013 | Retired | Retired | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;623 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;728 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;865 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;612 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2752.52 | XXXXXX | 6.8649 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;771 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 299.61 | XXXXXX | 7.0175 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;757 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;589 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6020 | XXXXXX | 6.6257 | Retired | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1017 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8745 | XXXXXX | 6.8959 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;674 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.5 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;610 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4390.8 | XXXXXX | 7.1547 | Employed | Retired | U.S. Citizen | U.S. Citizen | Yes | 0 | Complete |
| &nbsp;&nbsp;&nbsp;749 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2761 | XXXXXX | 6.9345 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;860 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;967 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;981 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;835 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.75 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;747 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.49 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;933 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.6518 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;879 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.4999 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;846 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;891 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.25 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;850 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3288.19 | XXXXXX | 6.4009 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;849 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;742 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;969 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1594.5 | XXXXXX | 6.6679 | Retired | Retired | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;877 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.75 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;855 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.5001 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;805 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;868 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;804 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.75 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;852 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2251.78 | XXXXXX | 6.1333 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 0 | Complete |
| &nbsp;&nbsp;&nbsp;791 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.6164 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;808 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;743 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1705 | XXXXXX | 7.5415 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;703 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;692 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Residual<br>Income<br>Analysis in<br>File** | **ATR/<br>QM<br>Residual<br>Income** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;1022 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.9409 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;753 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.999 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;736 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;792 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;993 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3040 | XXXXXX | 7.4542 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;710 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5315 | XXXXXX | 6.5233 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;824 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;882 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;984 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8310.21 | XXXXXX | 6.802 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1044 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5925 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;859 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;917 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.49 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1023 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;921 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1495 | XXXXXX | 6.5794 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;972 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1640 | XXXXXX | 7.0431 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;953 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.625 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;955 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6247.68 | XXXXXX | 7.3499 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;947 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1709 | XXXXXX | 6.9207 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;960 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.6631 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1036 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;944 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;962 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;987 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.49 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1009 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6187.4 | XXXXXX | 5.8889 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;978 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1590 | XXXXXX | 6.5212 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;975 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1395 | XXXXXX | 7.761 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;999 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1028 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1021 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1002 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 8.2665 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1041 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.49 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1013 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1286 | XXXXXX | 6.7998 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;974 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;994 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.875 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1001 | XXXXXX | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | Complete |

---

## Exhibit 99.4

**EXHIBIT 99.4** 

**CLAYTON LOAN LEVEL TAPE COMPARE UPLOAD** 

------

---

| | |
|:---|:---|
| **Client Name:** | PennyMac |
| **Client Project Name:** | PNMAC PMTLT 2025-INV12 Securitization |
| *Report Run Date:* | *11/20/2025 12:16* |
| **Loan Level Tape Compare Upload** |  |
| *Loans in Report* | *390* |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;1064 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;1064 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;1065 | XXXXXX | XXXXXX | Appraisal Form Type | Other | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;1065 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;1066 | XXXXXX | XXXXXX | Cash Reserves | 398910.27 | 150621.14 |
| &nbsp;&nbsp;&nbsp;1066 | XXXXXX | XXXXXX | Borrower 1 Total Income | 14219.00 | 4874.12 |
| &nbsp;&nbsp;&nbsp;1066 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;1066 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| &nbsp;&nbsp;&nbsp;1067 | XXXXXX | XXXXXX | Cash Reserves | 188491.72 | 76775.99 |
| &nbsp;&nbsp;&nbsp;1067 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;1067 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;1068 | XXXXXX | XXXXXX | Appraisal Form Type | Other | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;1068 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;655 | XXXXXX | XXXXXX | Cash Reserves | 306746.82 | 477057.80 |
| &nbsp;&nbsp;&nbsp;655 | XXXXXX | XXXXXX | Credit Report Date | 03/23/2025 | 09/02/2025 |
| &nbsp;&nbsp;&nbsp;153 | XXXXXX | XXXXXX | Cash Reserves | 303706.48 | 115472.32 |
| &nbsp;&nbsp;&nbsp;153 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;895 | XXXXXX | XXXXXX | Cash Reserves | 769468.24 | 1019264.82 |
| &nbsp;&nbsp;&nbsp;895 | XXXXXX | XXXXXX | Total Monthly Income | 14592.00 | 10538.54 |
| &nbsp;&nbsp;&nbsp;895 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;895 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | No | Yes |
| &nbsp;&nbsp;&nbsp;895 | XXXXXX | XXXXXX | Borrower 2 Self Employed Flag | No | Yes |
| &nbsp;&nbsp;&nbsp;895 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 38.1100 | 23.7430 |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | XXXXXX | Cash Reserves | 147883.15 | 225678.48 |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;137 | XXXXXX | XXXXXX | Cash Reserves | 402154.38 | 271325.42 |
| &nbsp;&nbsp;&nbsp;137 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;133 | XXXXXX | XXXXXX | Cash Reserves | 782814.98 | 1052394.71 |
| &nbsp;&nbsp;&nbsp;133 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;133 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;444 | XXXXXX | XXXXXX | Cash Reserves | 345036.66 | 169603.52 |
| &nbsp;&nbsp;&nbsp;777 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;777 | XXXXXX | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;445 | XXXXXX | XXXXXX | Borrower 1 Total Income | 20833.00 | 33895.83 |
| &nbsp;&nbsp;&nbsp;445 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;135 | XXXXXX | XXXXXX | Cash Reserves | 185361.86 | 38240.50 |
| &nbsp;&nbsp;&nbsp;135 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;136 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;146 | XXXXXX | XXXXXX | Cash Reserves | 273290.51 | 71420.58 |
| &nbsp;&nbsp;&nbsp;146 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | Cash Reserves | 285796.05 | 144857.87 |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1004C Manuf (Mar 05) |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | Property Type | SFR | Manufactured (Dbl) |
| &nbsp;&nbsp;&nbsp;175 | XXXXXX | XXXXXX | Cash Reserves | 249809.62 | 159456.31 |
| &nbsp;&nbsp;&nbsp;175 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;154 | XXXXXX | XXXXXX | Cash Reserves | 416494.62 | 20929.68 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;785 | XXXXXX | XXXXXX | Cash Reserves | 360075.69 | 519587.22 |
| &nbsp;&nbsp;&nbsp;785 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;785 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;142 | XXXXXX | XXXXXX | Borrower 1 Total Income | 299.00 | 1089.00 |
| &nbsp;&nbsp;&nbsp;142 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | No | Yes |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | XXXXXX | Cash Reserves | 227314.26 | 143973.98 |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;152 | XXXXXX | XXXXXX | Cash Reserves | 798051.77 | 465482.08 |
| &nbsp;&nbsp;&nbsp;152 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;152 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | No | Yes |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | Cash Reserves | 81680.59 | 193738.44 |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;149 | XXXXXX | XXXXXX | Cash Reserves | 312277.19 | '-14719.50 |
| &nbsp;&nbsp;&nbsp;149 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;290 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;178 | XXXXXX | XXXXXX | Cash Reserves | 320931.82 | 644408.63 |
| &nbsp;&nbsp;&nbsp;178 | XXXXXX | XXXXXX | Borrower 1 Total Income | 17509.00 | 24595.42 |
| &nbsp;&nbsp;&nbsp;442 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;120 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;651 | XXXXXX | XXXXXX | Cash Reserves | 44023.80 | 121213.17 |
| &nbsp;&nbsp;&nbsp;446 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;437 | XXXXXX | XXXXXX | Cash Reserves | 148629.42 | 58796.15 |
| &nbsp;&nbsp;&nbsp;837 | XXXXXX | XXXXXX | Cash Reserves | 231896.32 | 155636.15 |
| &nbsp;&nbsp;&nbsp;837 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;717 | XXXXXX | XXXXXX | Cash Reserves | 40694.68 | 63895.68 |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | XXXXXX | Cash Reserves | 197169.75 | 85608.88 |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | XXXXXX | Borrower 1 Total Income | 1649.00 | 7556.87 |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | XXXXXX | Cash Reserves | 132923.06 | 35036.09 |
| &nbsp;&nbsp;&nbsp;435 | XXXXXX | XXXXXX | Borrower 1 Total Income | 12507.00 | 18147.91 |
| &nbsp;&nbsp;&nbsp;435 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | XXXXXX | Borrower 1 Total Income | 17074.00 | 24760.40 |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | XXXXXX | Borrower 1 First Name | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;519 | XXXXXX | XXXXXX | Borrower 1 Total Income | 9526.00 | 15079.68 |
| &nbsp;&nbsp;&nbsp;719 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | XXXXXX | Property Type | SFR-Attached | SFR |
| &nbsp;&nbsp;&nbsp;647 | XXXXXX | XXXXXX | Cash Reserves | 35782.98 | 48899.26 |
| &nbsp;&nbsp;&nbsp;842 | XXXXXX | XXXXXX | Borrower 1 Total Income | 27799.00 | 36441.21 |
| &nbsp;&nbsp;&nbsp;842 | XXXXXX | XXXXXX | Cash Reserves | 421119.60 | 151140.46 |
| &nbsp;&nbsp;&nbsp;842 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;447 | XXXXXX | XXXXXX | Cash Reserves | 340420.18 | 93488.20 |
| &nbsp;&nbsp;&nbsp;447 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;778 | XXXXXX | XXXXXX | Credit Report Date | 08/21/2025 | 09/09/2025 |
| &nbsp;&nbsp;&nbsp;840 | XXXXXX | XXXXXX | Cash Reserves | 408472.72 | 257558.95 |
| &nbsp;&nbsp;&nbsp;840 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;840 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;780 | XXXXXX | XXXXXX | Cash Reserves | 179016.29 | 37572.53 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;780 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | XXXXXX | Origination Channel | Broker | Correspondent Bulk |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | Origination Channel | Broker | Correspondent Bulk |
| &nbsp;&nbsp;&nbsp;664 | XXXXXX | XXXXXX | Borrower 1 Total Income | 23804.00 | 44303.91 |
| &nbsp;&nbsp;&nbsp;664 | XXXXXX | XXXXXX | Origination Channel | Broker | Retail |
| &nbsp;&nbsp;&nbsp;721 | XXXXXX | XXXXXX | Cash Reserves | 215575.75 | 114839.22 |
| &nbsp;&nbsp;&nbsp;721 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;721 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;721 | XXXXXX | XXXXXX | Origination Channel | Broker | Correspondent Bulk |
| &nbsp;&nbsp;&nbsp;450 | XXXXXX | XXXXXX | Cash Reserves | 282737.50 | 160196.95 |
| &nbsp;&nbsp;&nbsp;17 | XXXXXX | XXXXXX | Cash Reserves | 770120.23 | 150108.91 |
| &nbsp;&nbsp;&nbsp;17 | XXXXXX | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;17 | XXXXXX | XXXXXX | Origination Channel | Broker | Correspondent Flow with delegated underwriting |
| &nbsp;&nbsp;&nbsp;1026 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;1026 | XXXXXX | XXXXXX | Origination Channel | Broker | Correspondent Flow without delegated underwriting |
| &nbsp;&nbsp;&nbsp;2 | XXXXXX | XXXXXX | Cash Reserves | 464327.48 | 61496.17 |
| &nbsp;&nbsp;&nbsp;2 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;660 | XXXXXX | XXXXXX | Cash Reserves | 290294.93 | 192733.74 |
| &nbsp;&nbsp;&nbsp;660 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;841 | XXXXXX | XXXXXX | Cash Reserves | 64244.59 | 126434.09 |
| &nbsp;&nbsp;&nbsp;466 | XXXXXX | XXXXXX | Borrower 1 Total Income | 17843.00 | 24141.50 |
| &nbsp;&nbsp;&nbsp;466 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;465 | XXXXXX | XXXXXX | Cash Reserves | 19196.12 | 51396.83 |
| &nbsp;&nbsp;&nbsp;16 | XXXXXX | XXXXXX | Borrower 1 Total Income | 11105.00 | 26023.61 |
| &nbsp;&nbsp;&nbsp;16 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;1070 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;1071 | XXXXXX | XXXXXX | Appraisal Form Type | Other | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;1072 | XXXXXX | XXXXXX | Cash Reserves | 163667.00 | 57801.78 |
| &nbsp;&nbsp;&nbsp;1072 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;1072 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;1073 | XXXXXX | XXXXXX | Total Cash Out | 158479.52 | 231659.04 |
| &nbsp;&nbsp;&nbsp;1073 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;1073 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 38.7840 | 43.6145 |
| &nbsp;&nbsp;&nbsp;1073 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;1088 | XXXXXX | XXXXXX | Cash Reserves | 116664.02 | 10731.77 |
| &nbsp;&nbsp;&nbsp;1088 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;1074 | XXXXXX | XXXXXX | Total Cash Out | 14155.55 | 20791.55 |
| &nbsp;&nbsp;&nbsp;1074 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;1075 | XXXXXX | XXXXXX | Cash Reserves | 392736.02 | 153593.00 |
| &nbsp;&nbsp;&nbsp;1075 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;1076 | XXXXXX | XXXXXX | Cash Reserves | 158763.57 | 201358.53 |
| &nbsp;&nbsp;&nbsp;1076 | XXXXXX | XXXXXX | Appraisal Form Type | Other | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;1076 | XXXXXX | XXXXXX | Borrower 2 Self Employed Flag | No | Yes |
| &nbsp;&nbsp;&nbsp;1076 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 34.9910 | 42.1577 |
| &nbsp;&nbsp;&nbsp;1077 | XXXXXX | XXXXXX | Total Cash Out | 191522.09 | 257403.23 |
| &nbsp;&nbsp;&nbsp;1077 | XXXXXX | XXXXXX | Appraisal Form Type | Other | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;1077 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;1078 | XXXXXX | XXXXXX | Cash Reserves | 167712.00 | 79231.47 |
| &nbsp;&nbsp;&nbsp;1078 | XXXXXX | XXXXXX | Appraisal Form Type | Other | 1004 SFR (Mar 05) |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;1078 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;1080 | XXXXXX | XXXXXX | Appraisal Form Type | Other | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;1080 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;1081 | XXXXXX | XXXXXX | Appraisal Form Type | Other | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;1082 | XXXXXX | XXXXXX | Cash Reserves | 206459.93 | 119728.54 |
| &nbsp;&nbsp;&nbsp;1082 | XXXXXX | XXXXXX | Appraisal Form Type | Other | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;1082 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;1082 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;605 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;901 | XXXXXX | XXXXXX | Borrower 1 Total Income | 4920.30 | 7697.04 |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | XXXXXX | Cash Reserves | 211045.28 | 37605.20 |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | XXXXXX | Cash Reserves | 363319.61 | 702707.80 |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;1060 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;1060 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;95 | XXXXXX | XXXXXX | Cash Reserves | 127140.26 | 15033.53 |
| &nbsp;&nbsp;&nbsp;95 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 9.9860 | 16.3838 |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | Cash Reserves | 91753.87 | 21173.27 |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;411 | XXXXXX | XXXXXX | Cash Reserves | 178101.61 | 111032.14 |
| &nbsp;&nbsp;&nbsp;411 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;411 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| &nbsp;&nbsp;&nbsp;603 | XXXXXX | XXXXXX | Cash Reserves | 107539.87 | 37935.94 |
| &nbsp;&nbsp;&nbsp;603 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;352 | XXXXXX | XXXXXX | Cash Reserves | 589659.84 | 422103.74 |
| &nbsp;&nbsp;&nbsp;352 | XXXXXX | XXXXXX | Credit Report Date | 06/12/2025 | 07/21/2025 |
| &nbsp;&nbsp;&nbsp;708 | XXXXXX | XXXXXX | Cash Reserves | 19537.96 | 35950.99 |
| &nbsp;&nbsp;&nbsp;708 | XXXXXX | XXXXXX | Borrower 1 Total Income | 8616.17 | 10891.17 |
| &nbsp;&nbsp;&nbsp;708 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;315 | XXXXXX | XXXXXX | Cash Reserves | 144809.04 | 63034.95 |
| &nbsp;&nbsp;&nbsp;315 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;315 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;357 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;357 | XXXXXX | XXXXXX | Origination Channel | Correspondent Flow with delegated underwriting | Broker |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | XXXXXX | Cash Reserves | 284417.16 | 472249.11 |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX | Borrower 1 Total Income | 6397.17 | 10146.13 |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX | Cash Reserves | 236144.52 | 75134.90 |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | XXXXXX | Cash Reserves | 403688.64 | 301042.69 |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | XXXXXX | Total Monthly Income | 25064.00 | 11786.73 |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | XXXXXX | Borrower 2 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 25.6820 | 43.5664 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;62 | XXXXXX | XXXXXX | Cash Reserves | 92382.04 | 64703.88 |
| &nbsp;&nbsp;&nbsp;62 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;62 | XXXXXX | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;616 | XXXXXX | XXXXXX | Cash Reserves | 191461.75 | 79665.88 |
| &nbsp;&nbsp;&nbsp;616 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;616 | XXXXXX | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;616 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.8310 | 39.6512 |
| &nbsp;&nbsp;&nbsp;618 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;618 | XXXXXX | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;607 | XXXXXX | XXXXXX | Borrower 1 Total Income | 5249.40 | 10208.60 |
| &nbsp;&nbsp;&nbsp;607 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;396 | XXXXXX | XXXXXX | Cash Reserves | 303280.77 | 677899.11 |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;355 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 37.7400 | 32.6221 |
| &nbsp;&nbsp;&nbsp;349 | XXXXXX | XXXXXX | Cash Reserves | 981901.69 | 580693.86 |
| &nbsp;&nbsp;&nbsp;349 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;398 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;398 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;588 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | XXXXXX | Cash Reserves | 164216.86 | 1049185.93 |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 46.4530 | 39.3038 |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;364 | XXXXXX | XXXXXX | Borrower 1 Total Income | 14632.80 | 19351.58 |
| &nbsp;&nbsp;&nbsp;391 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | XXXXXX | Cash Reserves | 542828.82 | 271739.83 |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;400 | XXXXXX | XXXXXX | Cash Reserves | 100846.15 | 14020.49 |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | Cash Reserves | 16752.35 | 41721.60 |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | First Payment Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;591 | XXXXXX | XXXXXX | Cash Reserves | 448765.10 | 277117.53 |
| &nbsp;&nbsp;&nbsp;591 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;1049 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;629 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;52 | XXXXXX | XXXXXX | Cash Reserves | 12706.54 | 16385.52 |
| &nbsp;&nbsp;&nbsp;52 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 784 | 781 |
| &nbsp;&nbsp;&nbsp;579 | XXXXXX | XXXXXX | Cash Reserves | 565834.99 | 1231879.21 |
| &nbsp;&nbsp;&nbsp;579 | XXXXXX | XXXXXX | Borrower 1 Total Income | 22495.20 | 39054.92 |
| &nbsp;&nbsp;&nbsp;579 | XXXXXX | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;600 | XXXXXX | XXXXXX | Cash Reserves | 102394.04 | 20968.47 |
| &nbsp;&nbsp;&nbsp;482 | XXXXXX | XXXXXX | Cash Reserves | 356936.79 | 111605.61 |
| &nbsp;&nbsp;&nbsp;482 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 36.8670 | 30.9246 |
| &nbsp;&nbsp;&nbsp;378 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;615 | XXXXXX | XXXXXX | Cash Reserves | 212776.00 | 75038.25 |
| &nbsp;&nbsp;&nbsp;615 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;873 | XXXXXX | XXXXXX | Cash Reserves | 145019.54 | 39127.71 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;592 | XXXXXX | XXXXXX | Borrower 1 Total Income | 4595.40 | 7780.90 |
| &nbsp;&nbsp;&nbsp;592 | XXXXXX | XXXXXX | Cash Reserves | 156497.65 | 39865.45 |
| &nbsp;&nbsp;&nbsp;592 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;834 | XXXXXX | XXXXXX | Borrower 1 Total Income | 54166.66 | 84473.11 |
| &nbsp;&nbsp;&nbsp;834 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;311 | XXXXXX | XXXXXX | Cash Reserves | 308357.62 | 210395.75 |
| &nbsp;&nbsp;&nbsp;311 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;1010 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;1010 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;410 | XXXXXX | XXXXXX | Cash Reserves | 210052.21 | 117244.82 |
| &nbsp;&nbsp;&nbsp;410 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;388 | XXXXXX | XXXXXX | Borrower 1 Total Income | 5000.00 | 15245.46 |
| &nbsp;&nbsp;&nbsp;388 | XXXXXX | XXXXXX | Cash Reserves | 247486.56 | 469490.50 |
| &nbsp;&nbsp;&nbsp;388 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;394 | XXXXXX | XXXXXX | Borrower 1 Total Income | 23919.84 | 32127.84 |
| &nbsp;&nbsp;&nbsp;394 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;306 | XXXXXX | XXXXXX | Cash Reserves | 30000.26 | 58836.76 |
| &nbsp;&nbsp;&nbsp;306 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;306 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 40.6030 | 35.4292 |
| &nbsp;&nbsp;&nbsp;27 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;332 | XXXXXX | XXXXXX | Cash Reserves | 451913.48 | 276102.11 |
| &nbsp;&nbsp;&nbsp;79 | XXXXXX | XXXXXX | Borrower 1 Total Income | 25075.40 | 34934.55 |
| &nbsp;&nbsp;&nbsp;96 | XXXXXX | XXXXXX | Borrower 1 Total Income | 25075.40 | 34934.55 |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | XXXXXX | Cash Reserves | 470166.34 | 332914.74 |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;711 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;711 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | XXXXXX | Cash Reserves | 710899.05 | 416587.02 |
| &nbsp;&nbsp;&nbsp;705 | XXXXXX | XXXXXX | Borrower 1 Total Income | 5000.67 | 15849.53 |
| &nbsp;&nbsp;&nbsp;705 | XXXXXX | XXXXXX | Cash Reserves | 121162.80 | 10244.01 |
| &nbsp;&nbsp;&nbsp;705 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;626 | XXXXXX | XXXXXX | Cash Reserves | 130898.76 | 32305.83 |
| &nbsp;&nbsp;&nbsp;626 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;811 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;811 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 44.8300 | 41.5761 |
| &nbsp;&nbsp;&nbsp;109 | XXXXXX | XXXXXX | Cash Reserves | 191723.53 | 83092.38 |
| &nbsp;&nbsp;&nbsp;109 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | Borrower 2 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;634 | XXXXXX | XXXXXX | Cash Reserves | 23991.07 | 10400.90 |
| &nbsp;&nbsp;&nbsp;634 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;634 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;412 | XXXXXX | XXXXXX | Cash Reserves | 72811.85 | 13316.79 |
| &nbsp;&nbsp;&nbsp;412 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 43.1610 | 48.6855 |
| &nbsp;&nbsp;&nbsp;635 | XXXXXX | XXXXXX | Cash Reserves | 160096.18 | 57830.03 |
| &nbsp;&nbsp;&nbsp;699 | XXXXXX | XXXXXX | Cash Reserves | 155639.53 | 59939.83 |
| &nbsp;&nbsp;&nbsp;699 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;699 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;41 | XXXXXX | XXXXXX | Borrower 1 Total Income | 9959.94 | 36114.71 |
| &nbsp;&nbsp;&nbsp;41 | XXXXXX | XXXXXX | Cash Reserves | 277795.54 | 160074.61 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;41 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;41 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;360 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;360 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;986 | XXXXXX | XXXXXX | Cash Reserves | 152686.34 | 72424.22 |
| &nbsp;&nbsp;&nbsp;986 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;1038 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;356 | XXXXXX | XXXXXX | Cash Reserves | 226050.33 | 130428.23 |
| &nbsp;&nbsp;&nbsp;356 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;356 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | XXXXXX | Borrower 1 Total Income | 258.25 | 2943.21 |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1004C Manuf (Mar 05) |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | XXXXXX | Property Type | SFR | Manufactured (Dbl) |
| &nbsp;&nbsp;&nbsp;948 | XXXXXX | XXXXXX | Cash Reserves | 3061198.53 | 1783202.45 |
| &nbsp;&nbsp;&nbsp;948 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Approve/Eligible DU/DO AUS Only |
| &nbsp;&nbsp;&nbsp;948 | XXXXXX | XXXXXX | Credit Report Date | 07/03/2025 | 08/27/2025 |
| &nbsp;&nbsp;&nbsp;590 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;793 | XXXXXX | XXXXXX | Cash Reserves | 171688.02 | 67733.11 |
| &nbsp;&nbsp;&nbsp;793 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;793 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.4740 | 42.4690 |
| &nbsp;&nbsp;&nbsp;916 | XXXXXX | XXXXXX | Cash Reserves | 84096.67 | 22125.53 |
| &nbsp;&nbsp;&nbsp;916 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;916 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 39.0940 | 34.8362 |
| &nbsp;&nbsp;&nbsp;916 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | XXXXXX | Cash Reserves | 157014.34 | 81903.60 |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | XXXXXX | Min Number | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;611 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;312 | XXXXXX | XXXXXX | Cash Reserves | 35105.00 | 9756.80 |
| &nbsp;&nbsp;&nbsp;312 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;15 | XXXXXX | XXXXXX | Cash Reserves | 205085.62 | 41865.98 |
| &nbsp;&nbsp;&nbsp;15 | XXXXXX | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;973 | XXXXXX | XXXXXX | Borrower 1 Total Income | 1882.10 | 10888.94 |
| &nbsp;&nbsp;&nbsp;973 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;48 | XXXXXX | XXXXXX | Cash Reserves | 118811.23 | 35641.29 |
| &nbsp;&nbsp;&nbsp;48 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;304 | XXXXXX | XXXXXX | Cash Reserves | 327538.30 | 27404.70 |
| &nbsp;&nbsp;&nbsp;304 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;304 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 46.4130 | 43.3328 |
| &nbsp;&nbsp;&nbsp;954 | XXXXXX | XXXXXX | Borrower 1 Total Income | 19505.76 | 25212.80 |
| &nbsp;&nbsp;&nbsp;954 | XXXXXX | XXXXXX | Cash Reserves | 183049.43 | 37220.16 |
| &nbsp;&nbsp;&nbsp;762 | XXXXXX | XXXXXX | Borrower 1 Total Income | 10416.67 | 20445.40 |
| &nbsp;&nbsp;&nbsp;762 | XXXXXX | XXXXXX | Cash Reserves | 191266.63 | 21165.38 |
| &nbsp;&nbsp;&nbsp;573 | XXXXXX | XXXXXX | Cash Reserves | 329484.43 | 232163.55 |
| &nbsp;&nbsp;&nbsp;573 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;546 | XXXXXX | XXXXXX | Cash Reserves | 165259.62 | 83532.42 |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | XXXXXX | Borrower 1 Total Income | 6884.80 | 14434.92 |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | XXXXXX | Cash Reserves | 13741.17 | 21140.87 |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | XXXXXX | Cash Reserves | 34908.17 | 185964.11 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;275 | XXXXXX | XXXXXX | Cash Reserves | 155648.69 | 109859.77 |
| &nbsp;&nbsp;&nbsp;226 | XXXXXX | XXXXXX | Cash Reserves | 136732.14 | 31096.73 |
| &nbsp;&nbsp;&nbsp;226 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;284 | XXXXXX | XXXXXX | Cash Reserves | 141417.44 | 68118.52 |
| &nbsp;&nbsp;&nbsp;271 | XXXXXX | XXXXXX | Cash Reserves | 1264902.34 | 931224.70 |
| &nbsp;&nbsp;&nbsp;252 | XXXXXX | XXXXXX | Cash Reserves | 173186.43 | 106055.55 |
| &nbsp;&nbsp;&nbsp;495 | XXXXXX | XXXXXX | Cash Reserves | 366684.22 | 233315.76 |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | XXXXXX | Cash Reserves | 154584.08 | 78779.26 |
| &nbsp;&nbsp;&nbsp;239 | XXXXXX | XXXXXX | Cash Reserves | 165564.03 | 35914.28 |
| &nbsp;&nbsp;&nbsp;239 | XXXXXX | XXXXXX | Borrower 1 First Name | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;239 | XXXXXX | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;262 | XXXXXX | XXXXXX | Cash Reserves | 155372.40 | 235608.87 |
| &nbsp;&nbsp;&nbsp;262 | XXXXXX | XXXXXX | Borrower 1 Total Income | 13852.17 | 17535.84 |
| &nbsp;&nbsp;&nbsp;251 | XXXXXX | XXXXXX | Cash Reserves | 245814.30 | 71826.89 |
| &nbsp;&nbsp;&nbsp;277 | XXXXXX | XXXXXX | Cash Reserves | 275481.84 | 182261.72 |
| &nbsp;&nbsp;&nbsp;277 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;205 | XXXXXX | XXXXXX | Cash Reserves | 249092.66 | 153006.88 |
| &nbsp;&nbsp;&nbsp;189 | XXXXXX | XXXXXX | Borrower 1 Total Income | 24999.99 | 103031.97 |
| &nbsp;&nbsp;&nbsp;189 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;790 | XXXXXX | XXXXXX | Cash Reserves | 310115.00 | 600183.77 |
| &nbsp;&nbsp;&nbsp;790 | XXXXXX | XXXXXX | Total Monthly Income | 25724.00 | 18341.96 |
| &nbsp;&nbsp;&nbsp;790 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;790 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 31.8250 | 44.0054 |
| &nbsp;&nbsp;&nbsp;803 | XXXXXX | XXXXXX | Cash Reserves | 384231.18 | 1075459.15 |
| &nbsp;&nbsp;&nbsp;803 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;1020 | XXXXXX | XXXXXX | Cash Reserves | 2873069.35 | 911242.92 |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | XXXXXX | Borrower 2 Self Employed Flag | No | Yes |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | XXXXXX | Credit Report Date | 06/27/2025 | 08/12/2025 |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 31.2240 | 40.4421 |
| &nbsp;&nbsp;&nbsp;193 | XXXXXX | XXXXXX | Cash Reserves | 978586.18 | 92457.18 |
| &nbsp;&nbsp;&nbsp;193 | XXXXXX | XXXXXX | Credit Report Date | 04/22/2025 | 07/28/2025 |
| &nbsp;&nbsp;&nbsp;162 | XXXXXX | XXXXXX | Cash Reserves | 2174787.02 | 612126.12 |
| &nbsp;&nbsp;&nbsp;325 | XXXXXX | XXXXXX | Cash Reserves | 278836.33 | 179596.80 |
| &nbsp;&nbsp;&nbsp;325 | XXXXXX | XXXXXX | Property Type | Rowhouse | SFR-Attached |
| &nbsp;&nbsp;&nbsp;310 | XXXXXX | XXXXXX | Borrower 1 Total Income | 8333.33 | 18378.16 |
| &nbsp;&nbsp;&nbsp;992 | XXXXXX | XXXXXX | Borrower 1 Total Income | 4029.62 | 5479.13 |
| &nbsp;&nbsp;&nbsp;992 | XXXXXX | XXXXXX | Cash Reserves | 141764.95 | 14786.92 |
| &nbsp;&nbsp;&nbsp;992 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;265 | XXXXXX | XXXXXX | Cash Reserves | 167191.09 | 80212.50 |
| &nbsp;&nbsp;&nbsp;265 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;367 | XXXXXX | XXXXXX | Cash Reserves | 136645.23 | 57796.36 |
| &nbsp;&nbsp;&nbsp;367 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;250 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;250 | XXXXXX | XXXXXX | Credit Report Date | 07/19/2025 | 07/24/2025 |
| &nbsp;&nbsp;&nbsp;182 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | XXXXXX | Cash Reserves | 176727.80 | 114120.52 |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;160 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;204 | XXXXXX | XXXXXX | Cash Reserves | 302540.64 | 616665.64 |
| &nbsp;&nbsp;&nbsp;204 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;157 | XXXXXX | XXXXXX | Cash Reserves | 302540.64 | 546822.08 |
| &nbsp;&nbsp;&nbsp;168 | XXXXXX | XXXXXX | Cash Reserves | 484334.31 | 349798.63 |
| &nbsp;&nbsp;&nbsp;168 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;168 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;199 | XXXXXX | XXXXXX | Cash Reserves | 254681.64 | 98498.69 |
| &nbsp;&nbsp;&nbsp;942 | XXXXXX | XXXXXX | Cash Reserves | 84353.37 | 33944.81 |
| &nbsp;&nbsp;&nbsp;942 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | XXXXXX | Borrower 1 Total Income | 6926.40 | 10886.40 |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | XXXXXX | Cash Reserves | 110942.87 | 39517.62 |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;249 | XXXXXX | XXXXXX | Borrower 1 Total Income | 20477.90 | 27011.44 |
| &nbsp;&nbsp;&nbsp;249 | XXXXXX | XXXXXX | Cash Reserves | 381294.88 | 217272.00 |
| &nbsp;&nbsp;&nbsp;249 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;38 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;539 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;503 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;254 | XXXXXX | XXXXXX | Cash Reserves | 445285.11 | 104984.61 |
| &nbsp;&nbsp;&nbsp;254 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;1031 | XXXXXX | XXXXXX | Cash Reserves | 193197.30 | 89541.78 |
| &nbsp;&nbsp;&nbsp;280 | XXXXXX | XXXXXX | Borrower 1 Total Income | 12612.25 | 17106.20 |
| &nbsp;&nbsp;&nbsp;280 | XXXXXX | XXXXXX | Cash Reserves | 251572.66 | 16921.34 |
| &nbsp;&nbsp;&nbsp;280 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;335 | XXXXXX | XXXXXX | Cash Reserves | 212998.27 | 60651.91 |
| &nbsp;&nbsp;&nbsp;335 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | XXXXXX | Borrower 1 Total Income | 29700.00 | 40585.80 |
| &nbsp;&nbsp;&nbsp;267 | XXXXXX | XXXXXX | Cash Reserves | 184279.82 | 18336.55 |
| &nbsp;&nbsp;&nbsp;267 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | XXXXXX | Cash Reserves | 292120.30 | 191139.97 |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | XXXXXX | Credit Report Date | 06/17/2025 | 08/25/2025 |
| &nbsp;&nbsp;&nbsp;305 | XXXXXX | XXXXXX | Cash Reserves | 346685.90 | 247016.44 |
| &nbsp;&nbsp;&nbsp;542 | XXXXXX | XXXXXX | Cash Reserves | 253633.73 | 109178.13 |
| &nbsp;&nbsp;&nbsp;542 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;340 | XXXXXX | XXXXXX | Borrower 1 Total Income | 11854.67 | 34839.24 |
| &nbsp;&nbsp;&nbsp;340 | XXXXXX | XXXXXX | Cash Reserves | 173441.79 | 102585.12 |
| &nbsp;&nbsp;&nbsp;985 | XXXXXX | XXXXXX | Cash Reserves | 182572.75 | 84495.82 |
| &nbsp;&nbsp;&nbsp;985 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;789 | XXXXXX | XXXXXX | Cash Reserves | 232928.16 | 146002.00 |
| &nbsp;&nbsp;&nbsp;373 | XXXXXX | XXXXXX | Cash Reserves | 160429.67 | 25266.43 |
| &nbsp;&nbsp;&nbsp;373 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;373 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;260 | XXXXXX | XXXXXX | Cash Reserves | 256852.96 | 763297.63 |
| &nbsp;&nbsp;&nbsp;260 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;764 | XXXXXX | XXXXXX | Cash Reserves | 284543.92 | 166706.38 |
| &nbsp;&nbsp;&nbsp;826 | XXXXXX | XXXXXX | Borrower 1 Total Income | 8674.50 | 10966.28 |
| &nbsp;&nbsp;&nbsp;826 | XXXXXX | XXXXXX | Cash Reserves | 110318.72 | 31755.77 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;826 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;828 | XXXXXX | XXXXXX | Cash Reserves | 191602.53 | 117071.11 |
| &nbsp;&nbsp;&nbsp;828 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;273 | XXXXXX | XXXXXX | Cash Reserves | 164144.92 | 87206.20 |
| &nbsp;&nbsp;&nbsp;372 | XXXXXX | XXXXXX | Cash Reserves | 330986.00 | 246402.83 |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | XXXXXX | Borrower 1 Total Income | 2149.37 | 6459.26 |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | XXXXXX | Cash Reserves | 155537.55 | 72273.42 |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | XXXXXX | Cash Reserves | 139750.00 | 16447.09 |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;307 | XXXXXX | XXXXXX | Cash Reserves | 254265.21 | 167968.04 |
| &nbsp;&nbsp;&nbsp;307 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | XXXXXX | Borrower 1 Total Income | 10125.00 | 13518.48 |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | XXXXXX | Cash Reserves | 511354.80 | 260068.96 |
| &nbsp;&nbsp;&nbsp;480 | XXXXXX | XXXXXX | Cash Reserves | 114952.64 | 67170.64 |
| &nbsp;&nbsp;&nbsp;934 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;934 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | XXXXXX | Cash Reserves | 150987.49 | 27286.81 |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;922 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 30.1270 | 33.2766 |
| &nbsp;&nbsp;&nbsp;922 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;924 | XXXXXX | XXXXXX | Cash Reserves | 338692.82 | 230414.00 |
| &nbsp;&nbsp;&nbsp;924 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;924 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;467 | XXXXXX | XXXXXX | Borrower 1 Total Income | 15375.84 | 19811.05 |
| &nbsp;&nbsp;&nbsp;470 | XXXXXX | XXXXXX | Borrower 1 Total Income | 25000.00 | 42416.67 |
| &nbsp;&nbsp;&nbsp;470 | XXXXXX | XXXXXX | Cash Reserves | 192819.56 | 55296.35 |
| &nbsp;&nbsp;&nbsp;470 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;470 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;510 | XXXXXX | XXXXXX | Cash Reserves | 323233.15 | 225461.34 |
| &nbsp;&nbsp;&nbsp;344 | XXXXXX | XXXXXX | Borrower 1 Total Income | 3639.27 | 10109.73 |
| &nbsp;&nbsp;&nbsp;344 | XXXXXX | XXXXXX | Cash Reserves | 32851.90 | 14055.75 |
| &nbsp;&nbsp;&nbsp;833 | XXXXXX | XXXXXX | Borrower 1 Total Income | 11619.30 | 16409.66 |
| &nbsp;&nbsp;&nbsp;833 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;833 | XXXXXX | XXXXXX | Credit Report Date | 08/06/2025 | 08/08/2025 |
| &nbsp;&nbsp;&nbsp;982 | XXXXXX | XXXXXX | Cash Reserves | 435125.60 | 185841.88 |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | XXXXXX | Borrower 1 Total Income | 6933.33 | 9606.33 |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | XXXXXX | Cash Reserves | 237851.95 | 42704.15 |
| &nbsp;&nbsp;&nbsp;680 | XXXXXX | XXXXXX | Cash Reserves | 105000.00 | 3193.33 |
| &nbsp;&nbsp;&nbsp;680 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;750 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;695 | XXXXXX | XXXXXX | Cash Reserves | 262999.16 | 64153.59 |
| &nbsp;&nbsp;&nbsp;695 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;959 | XXXXXX | XXXXXX | Cash Reserves | 75509.36 | 48040.81 |
| &nbsp;&nbsp;&nbsp;533 | XXXXXX | XXXXXX | Cash Reserves | 524326.18 | 4755276.76 |
| &nbsp;&nbsp;&nbsp;491 | XXXXXX | XXXXXX | Cash Reserves | 243016.49 | 35582.08 |
| &nbsp;&nbsp;&nbsp;540 | XXXXXX | XXXXXX | Cash Reserves | 139809.46 | 47770.06 |
| &nbsp;&nbsp;&nbsp;540 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;571 | XXXXXX | XXXXXX | Cash Reserves | 107167.52 | 260928.79 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;571 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;574 | XXXXXX | XXXXXX | Cash Reserves | 204076.56 | 49621.00 |
| &nbsp;&nbsp;&nbsp;497 | XXXXXX | XXXXXX | Cash Reserves | 174336.12 | 64375.49 |
| &nbsp;&nbsp;&nbsp;568 | XXXXXX | XXXXXX | Cash Reserves | 152119.14 | 51543.71 |
| &nbsp;&nbsp;&nbsp;569 | XXXXXX | XXXXXX | Cash Reserves | 150217.00 | 69858.48 |
| &nbsp;&nbsp;&nbsp;964 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;690 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;690 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | XXXXXX | Cash Reserves | 44966.96 | 18662.14 |
| &nbsp;&nbsp;&nbsp;689 | XXXXXX | XXXXXX | Total Monthly Income | 66080.00 | 26368.63 |
| &nbsp;&nbsp;&nbsp;689 | XXXXXX | XXXXXX | Cash Reserves | 163391.07 | 56437.58 |
| &nbsp;&nbsp;&nbsp;689 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;689 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 15.2000 | 37.7954 |
| &nbsp;&nbsp;&nbsp;689 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | XXXXXX | Cash Reserves | 153713.69 | 38485.23 |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;529 | XXXXXX | XXXXXX | Cash Reserves | 617053.44 | 1535567.47 |
| &nbsp;&nbsp;&nbsp;529 | XXXXXX | XXXXXX | Borrower 1 Total Income | 10000.00 | 23881.11 |
| &nbsp;&nbsp;&nbsp;963 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;857 | XXXXXX | XXXXXX | Borrower 1 Total Income | 10250.00 | 32003.81 |
| &nbsp;&nbsp;&nbsp;549 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;549 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;556 | XXXXXX | XXXXXX | Cash Reserves | 878778.33 | 513248.84 |
| &nbsp;&nbsp;&nbsp;556 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;556 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;513 | XXXXXX | XXXXXX | Borrower 1 Total Income | 527.55 | 14988.52 |
| &nbsp;&nbsp;&nbsp;513 | XXXXXX | XXXXXX | Cash Reserves | 366544.57 | 226468.65 |
| &nbsp;&nbsp;&nbsp;513 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;979 | XXXXXX | XXXXXX | Cash Reserves | 320502.82 | 167430.28 |
| &nbsp;&nbsp;&nbsp;979 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;979 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;580 | XXXXXX | XXXXXX | Cash Reserves | 106832.95 | 149515.19 |
| &nbsp;&nbsp;&nbsp;580 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;527 | XXXXXX | XXXXXX | Borrower 1 Total Income | 8567.00 | 15005.57 |
| &nbsp;&nbsp;&nbsp;527 | XXXXXX | XXXXXX | Cash Reserves | 194548.00 | 94092.18 |
| &nbsp;&nbsp;&nbsp;527 | XXXXXX | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;816 | XXXXXX | XXXXXX | Cash Reserves | 953856.19 | 625427.15 |
| &nbsp;&nbsp;&nbsp;557 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;538 | XXXXXX | XXXXXX | Borrower 1 Total Income | 14583.34 | 275994.10 |
| &nbsp;&nbsp;&nbsp;538 | XXXXXX | XXXXXX | Cash Reserves | 366524.01 | 237474.30 |
| &nbsp;&nbsp;&nbsp;820 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;820 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.1760 | 15.4279 |
| &nbsp;&nbsp;&nbsp;820 | XXXXXX | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;727 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;727 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;530 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;576 | XXXXXX | XXXXXX | Cash Reserves | 257035.00 | 42911.00 |
| &nbsp;&nbsp;&nbsp;734 | XXXXXX | XXXXXX | Borrower 1 Total Income | 1441.00 | 16428.00 |
| &nbsp;&nbsp;&nbsp;734 | XXXXXX | XXXXXX | Cash Reserves | 104817.92 | 35881.73 |
| &nbsp;&nbsp;&nbsp;734 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;892 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;723 | XXXXXX | XXXXXX | Cash Reserves | 136762.46 | 32805.46 |
| &nbsp;&nbsp;&nbsp;723 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | XXXXXX | Cash Reserves | 103839.45 | 612264.64 |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;606 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;621 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;594 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;594 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | No | Yes |
| &nbsp;&nbsp;&nbsp;848 | XXXXXX | XXXXXX | Cash Reserves | 71808.00 | 119680.00 |
| &nbsp;&nbsp;&nbsp;848 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;706 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;706 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;623 | XXXXXX | XXXXXX | Cash Reserves | 960455.65 | 692055.99 |
| &nbsp;&nbsp;&nbsp;623 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;623 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 47.8620 | 44.0844 |
| &nbsp;&nbsp;&nbsp;728 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;612 | XXXXXX | XXXXXX | Cash Reserves | 447582.27 | 639505.10 |
| &nbsp;&nbsp;&nbsp;612 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;757 | XXXXXX | XXXXXX | Borrower 1 Total Income | 14598.34 | 29415.98 |
| &nbsp;&nbsp;&nbsp;757 | XXXXXX | XXXXXX | Cash Reserves | 342727.86 | 109094.97 |
| &nbsp;&nbsp;&nbsp;757 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;589 | XXXXXX | XXXXXX | Cash Reserves | 151968.51 | 37668.32 |
| &nbsp;&nbsp;&nbsp;589 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;589 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;1017 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.4000 | 44.8735 |
| &nbsp;&nbsp;&nbsp;1017 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;674 | XXXXXX | XXXXXX | Cash Reserves | 162398.96 | 85398.90 |
| &nbsp;&nbsp;&nbsp;674 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;610 | XXXXXX | XXXXXX | Borrower 1 Total Income | 3437.50 | 4818.65 |
| &nbsp;&nbsp;&nbsp;749 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;860 | XXXXXX | XXXXXX | Cash Reserves | 131987.55 | 39812.76 |
| &nbsp;&nbsp;&nbsp;967 | XXXXXX | XXXXXX | Borrower 1 Total Income | 10798.19 | 15211.82 |
| &nbsp;&nbsp;&nbsp;981 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;981 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;835 | XXXXXX | XXXXXX | Borrower 1 Total Income | 18570.50 | 25547.03 |
| &nbsp;&nbsp;&nbsp;835 | XXXXXX | XXXXXX | Cash Reserves | 225084.80 | 108446.05 |
| &nbsp;&nbsp;&nbsp;835 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;747 | XXXXXX | XXXXXX | Cash Reserves | 300860.85 | 178390.95 |
| &nbsp;&nbsp;&nbsp;933 | XXXXXX | XXXXXX | Cash Reserves | 138212.36 | 32775.95 |
| &nbsp;&nbsp;&nbsp;933 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;933 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;879 | XXXXXX | XXXXXX | Cash Reserves | 445792.29 | 715912.32 |
| &nbsp;&nbsp;&nbsp;879 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;846 | XXXXXX | XXXXXX | Cash Reserves | 162928.70 | 453356.11 |
| &nbsp;&nbsp;&nbsp;846 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;891 | XXXXXX | XXXXXX | Borrower 1 Total Income | 10666.67 | 14452.76 |
| &nbsp;&nbsp;&nbsp;891 | XXXXXX | XXXXXX | Cash Reserves | 417215.96 | 234877.40 |
| &nbsp;&nbsp;&nbsp;850 | XXXXXX | XXXXXX | Cash Reserves | 139781.29 | 58498.74 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;850 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;849 | XXXXXX | XXXXXX | Borrower 1 Total Income | 23416.66 | 32136.37 |
| &nbsp;&nbsp;&nbsp;849 | XXXXXX | XXXXXX | Cash Reserves | 181711.02 | 86813.05 |
| &nbsp;&nbsp;&nbsp;849 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;742 | XXXXXX | XXXXXX | Cash Reserves | 307774.12 | 205453.82 |
| &nbsp;&nbsp;&nbsp;742 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;742 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 34.1270 | 23.9391 |
| &nbsp;&nbsp;&nbsp;969 | XXXXXX | XXXXXX | Borrower 1 Total Income | '-35.44 | 11658.25 |
| &nbsp;&nbsp;&nbsp;969 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;877 | XXXXXX | XXXXXX | Borrower 1 Total Income | 7092.80 | 9832.85 |
| &nbsp;&nbsp;&nbsp;877 | XXXXXX | XXXXXX | Cash Reserves | 180775.00 | 66233.00 |
| &nbsp;&nbsp;&nbsp;877 | XXXXXX | XXXXXX | Borrower 2 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;855 | XXXXXX | XXXXXX | Cash Reserves | 471973.90 | 277952.95 |
| &nbsp;&nbsp;&nbsp;868 | XXXXXX | XXXXXX | Borrower 1 Total Income | 19166.67 | 45065.24 |
| &nbsp;&nbsp;&nbsp;868 | XXXXXX | XXXXXX | Cash Reserves | 1689454.59 | 2302050.28 |
| &nbsp;&nbsp;&nbsp;852 | XXXXXX | XXXXXX | Cash Reserves | 200625.70 | 113857.25 |
| &nbsp;&nbsp;&nbsp;791 | XXXXXX | XXXXXX | Cash Reserves | 236352.33 | 114377.03 |
| &nbsp;&nbsp;&nbsp;743 | XXXXXX | XXXXXX | Cash Reserves | 317791.70 | 139399.49 |
| &nbsp;&nbsp;&nbsp;743 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;703 | XXXXXX | XXXXXX | Cash Reserves | 295461.14 | 142289.29 |
| &nbsp;&nbsp;&nbsp;692 | XXXXXX | XXXXXX | Borrower 1 Total Income | 9585.33 | 14943.63 |
| &nbsp;&nbsp;&nbsp;692 | XXXXXX | XXXXXX | Cash Reserves | 163569.03 | 54590.17 |
| &nbsp;&nbsp;&nbsp;692 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;1022 | XXXXXX | XXXXXX | Cash Reserves | 136466.00 | 53375.17 |
| &nbsp;&nbsp;&nbsp;1022 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;1022 | XXXXXX | XXXXXX | Credit Report Date | 09/02/2025 | 08/20/2025 |
| &nbsp;&nbsp;&nbsp;753 | XXXXXX | XXXXXX | Borrower 1 Total Income | 7791.67 | 48515.85 |
| &nbsp;&nbsp;&nbsp;753 | XXXXXX | XXXXXX | Credit Report Date | 05/23/2025 | 09/08/2025 |
| &nbsp;&nbsp;&nbsp;736 | XXXXXX | XXXXXX | Cash Reserves | 634978.86 | 179990.98 |
| &nbsp;&nbsp;&nbsp;736 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;792 | XXXXXX | XXXXXX | Borrower 1 Total Income | 8286.00 | 11455.00 |
| &nbsp;&nbsp;&nbsp;792 | XXXXXX | XXXXXX | Cash Reserves | 219527.00 | 28225.33 |
| &nbsp;&nbsp;&nbsp;792 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;993 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;710 | XXXXXX | XXXXXX | Borrower 1 Total Income | 1190.00 | 3978.80 |
| &nbsp;&nbsp;&nbsp;710 | XXXXXX | XXXXXX | Cash Reserves | 215786.23 | 72574.46 |
| &nbsp;&nbsp;&nbsp;824 | XXXXXX | XXXXXX | Cash Reserves | 265461.46 | 156055.23 |
| &nbsp;&nbsp;&nbsp;824 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;882 | XXXXXX | XXXXXX | Cash Reserves | 285833.19 | 186547.99 |
| &nbsp;&nbsp;&nbsp;882 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;882 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;984 | XXXXXX | XXXXXX | Cash Reserves | 32856.97 | 54761.63 |
| &nbsp;&nbsp;&nbsp;984 | XXXXXX | XXXXXX | Borrower 1 Total Income | 6880.00 | 9781.06 |
| &nbsp;&nbsp;&nbsp;1044 | XXXXXX | XXXXXX | Borrower 1 Total Income | 11666.00 | 16511.38 |
| &nbsp;&nbsp;&nbsp;1044 | XXXXXX | XXXXXX | Cash Reserves | 176924.00 | 49537.76 |
| &nbsp;&nbsp;&nbsp;859 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;917 | XXXXXX | XXXXXX | Cash Reserves | 526054.22 | 265822.30 |
| &nbsp;&nbsp;&nbsp;917 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;1023 | XXXXXX | XXXXXX | Borrower 1 Total Income | 9290.83 | 18014.21 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;1023 | XXXXXX | XXXXXX | Cash Reserves | 181098.98 | 61584.99 |
| &nbsp;&nbsp;&nbsp;1023 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;921 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;921 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 32.7810 | 26.1609 |
| &nbsp;&nbsp;&nbsp;972 | XXXXXX | XXXXXX | Cash Reserves | 225629.90 | 28011.82 |
| &nbsp;&nbsp;&nbsp;972 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;953 | XXXXXX | XXXXXX | Borrower 1 Total Income | 5768.00 | 8424.79 |
| &nbsp;&nbsp;&nbsp;953 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;953 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;955 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 45.9680 | 49.7917 |
| &nbsp;&nbsp;&nbsp;947 | XXXXXX | XXXXXX | Borrower 1 Total Income | 14583.34 | 42583.33 |
| &nbsp;&nbsp;&nbsp;947 | XXXXXX | XXXXXX | Cash Reserves | 688094.22 | 501873.96 |
| &nbsp;&nbsp;&nbsp;947 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;960 | XXXXXX | XXXXXX | Cash Reserves | 863357.50 | 10512821.95 |
| &nbsp;&nbsp;&nbsp;960 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;1036 | XXXXXX | XXXXXX | Total Monthly Income | 8267.00 | 11169.13 |
| &nbsp;&nbsp;&nbsp;1036 | XXXXXX | XXXXXX | Cash Reserves | 342479.11 | 47570.21 |
| &nbsp;&nbsp;&nbsp;1036 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;1036 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;1036 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;1036 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;962 | XXXXXX | XXXXXX | Cash Reserves | 264337.24 | 118468.16 |
| &nbsp;&nbsp;&nbsp;962 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;987 | XXXXXX | XXXXXX | Borrower 1 Total Income | 12916.67 | 29388.97 |
| &nbsp;&nbsp;&nbsp;987 | XXXXXX | XXXXXX | Cash Reserves | 347896.65 | 217629.53 |
| &nbsp;&nbsp;&nbsp;1009 | XXXXXX | XXXXXX | Cash Reserves | 608526.44 | 440727.63 |
| &nbsp;&nbsp;&nbsp;1009 | XXXXXX | XXXXXX | Credit Report Date | 07/30/2025 | 09/10/2025 |
| &nbsp;&nbsp;&nbsp;978 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;975 | XXXXXX | XXXXXX | Cash Reserves | 46258.18 | 17997.67 |
| &nbsp;&nbsp;&nbsp;999 | XXXXXX | XXXXXX | Cash Reserves | 211486.60 | 72800.07 |
| &nbsp;&nbsp;&nbsp;999 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;1028 | XXXXXX | XXXXXX | Cash Reserves | 164182.13 | 72784.25 |
| &nbsp;&nbsp;&nbsp;1028 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;1021 | XXXXXX | XXXXXX | Cash Reserves | 497638.57 | 976945.44 |
| &nbsp;&nbsp;&nbsp;1021 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;1002 | XXXXXX | XXXXXX | Cash Reserves | 381678.82 | 237992.75 |
| &nbsp;&nbsp;&nbsp;1041 | XXXXXX | XXXXXX | Cash Reserves | 152421.55 | 65987.06 |
| &nbsp;&nbsp;&nbsp;1013 | XXXXXX | XXXXXX | Cash Reserves | 50000.00 | 798181.47 |
| &nbsp;&nbsp;&nbsp;1013 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;974 | XXXXXX | XXXXXX | Cash Reserves | 1304193.00 | 934237.91 |
| &nbsp;&nbsp;&nbsp;974 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;994 | XXXXXX | XXXXXX | Cash Reserves | 170219.04 | 91079.80 |
| &nbsp;&nbsp;&nbsp;994 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | Cash Reserves | 594343.43 | 137486.95 |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Approve/Eligible DU/DO AUS Only |
| &nbsp;&nbsp;&nbsp;1001 | XXXXXX | XXXXXX | Borrower 1 Total Income | 22157.16 | 30933.72 |

---

## Exhibit 99.5

**EXHIBIT 99.5** 

**CLAYTON VALUATIONS SUMMARY** 

------

**Client Name:** PennyMac

**Client Project Name:** PNMAC PMTLT 2025-INV12 Securitization

**Valuations Summary** 

*Loans in Report: 390* 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** | | |
| &nbsp;&nbsp;&nbsp;&nbsp; **Deal**<br> **ID** | **Loan**<br> **Number** | **Seller**<br> **Loan**<br> **Number** | **Original**<br> **Balance** | **Sales**<br> **Price** | **Value for**<br> **LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Report<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other - Valuation<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **CU Score** | **Valuation<br>Comments** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;&nbsp; 1064 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1065 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1066 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1067 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1068 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 655 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 153 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -2.30% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 129 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 895 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 151 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 137 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 124 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 133 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -6.48% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 444 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 777 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 445 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -1.96% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 135 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 130 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 136 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 145 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 146 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 115 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C<br>Manuf<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 175 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 154 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 785 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 142 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.7 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 117 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -2.60% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 152 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 149 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 290 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 54.17% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 643 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 178 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -4.73% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.7 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 176 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 425 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 442 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 120 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 651 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 446 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 649 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 437 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** | | |
| &nbsp;&nbsp;&nbsp;&nbsp; **Deal**<br> **ID** | **Loan**<br> **Number** | **Seller**<br> **Loan**<br> **Number** | **Original**<br> **Balance** | **Sales**<br> **Price** | **Value for**<br> **LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Report<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other - Valuation<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **CU Score** | **Valuation<br>Comments** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;&nbsp; 837 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 3.97% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 717 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | $0.00 | XXXXXX | -100.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -32.86% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 559 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 144 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 718 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 435 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 220 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 519 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 719 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 518 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 647 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 775 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 456 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.68% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 842 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 447 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 778 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.82% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 840 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 780 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 224 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 20 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 664 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 721 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 450 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 17 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1026 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 660 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 841 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 125 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 439 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 466 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -6.67% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 465 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 16 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1070 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1071 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1072 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1073 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1088 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1074 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1075 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1076 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1077 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1078 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1080 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |

---

------

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** | | |
| &nbsp;&nbsp;&nbsp;&nbsp; **Deal**<br> **ID** | **Loan**<br> **Number** | **Seller**<br> **Loan**<br> **Number** | **Original**<br> **Balance** | **Sales**<br> **Price** | **Value for**<br> **LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Report<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other - Valuation<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **CU Score** | **Valuation<br>Comments** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;&nbsp; 1081 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1082 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 69 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 605 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 359 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 901 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.2 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 23 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 111 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 8.25% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1060 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 95 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 60 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 411 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 603 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 352 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 708 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 315 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 357 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 75 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 21.47% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 84 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 76 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 62 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 94 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 6.67% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 616 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 618 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 14.71% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 607 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -17.33% | XXXXXX | XXXXXX | XXXXXX | -21.33% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 396 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 43 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 355 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 349 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 398 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 588 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 | XXXXXX | Complete |

---

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** | | |
| &nbsp;&nbsp;&nbsp;&nbsp; **Deal**<br> **ID** | **Loan**<br> **Number** | **Seller**<br> **Loan**<br> **Number** | **Original**<br> **Balance** | **Sales**<br> **Price** | **Value for**<br> **LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Report<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other - Valuation<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **CU Score** | **Valuation<br>Comments** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;&nbsp; 55 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 392 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 81 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 102 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 364 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 999 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 391 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 86 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 400 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 59 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 106 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 591 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1049 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 629 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 52 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 16.46% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 579 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 600 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 482 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 378 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -9.09% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 615 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 873 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 592 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 834 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 311 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1010 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 410 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 388 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 394 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 | XXXXXX | Complete |

---

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** | | |
| &nbsp;&nbsp;&nbsp;&nbsp; **Deal**<br> **ID** | **Loan**<br> **Number** | **Seller**<br> **Loan**<br> **Number** | **Original**<br> **Balance** | **Sales**<br> **Price** | **Value for**<br> **LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Report<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other - Valuation<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **CU Score** | **Valuation<br>Comments** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;&nbsp; 306 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 27 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 2.50% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 332 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.2 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 79 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 96 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 29 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 711 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 347 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 570 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.9 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 705 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 626 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 811 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 109 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 42 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 634 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 412 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 635 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 33 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 699 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 41 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 360 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 986 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 18.46% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1038 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 356 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 92 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C<br>Manuf<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 948 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 590 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 793 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 916 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 47 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 611 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 312 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 15 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 973 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 48 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 304 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 954 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 762 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.3 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 573 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 546 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1053 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 | XXXXXX | Complete |

---

------

---

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** | | |
| &nbsp;&nbsp;&nbsp;&nbsp; **Deal**<br> **ID** | **Loan**<br> **Number** | **Seller**<br> **Loan**<br> **Number** | **Original**<br> **Balance** | **Sales**<br> **Price** | **Value for**<br> **LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Report<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other - Valuation<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **CU Score** | **Valuation<br>Comments** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;&nbsp; 232 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 298 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 159 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 275 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 226 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 284 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 271 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 252 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 495 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 233 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 239 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 262 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 328 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 308 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 251 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 277 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 422 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 205 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 189 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 790 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 803 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1020 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 164 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 193 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 162 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 325 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1007 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 310 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 3.20% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 992 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 265 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 367 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 250 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 182 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 209 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 160 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 204 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 157 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 168 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 346 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 199 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 942 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |

---

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** | | |
| &nbsp;&nbsp;&nbsp;&nbsp; **Deal**<br> **ID** | **Loan**<br> **Number** | **Seller**<br> **Loan**<br> **Number** | **Original**<br> **Balance** | **Sales**<br> **Price** | **Value for**<br> **LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Report<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other - Valuation<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **CU Score** | **Valuation<br>Comments** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;&nbsp; 183 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 249 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 264 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 213 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 38 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 539 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 503 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 254 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1031 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 280 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 335 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 227 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 267 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 255 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 214 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 19.57% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 551 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 305 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 258 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 13.72% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 542 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 340 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 985 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 789 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 373 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 260 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 5.71% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |

---

------

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** | | |
| &nbsp;&nbsp;&nbsp;&nbsp; **Deal**<br> **ID** | **Loan**<br> **Number** | **Seller**<br> **Loan**<br> **Number** | **Original**<br> **Balance** | **Sales**<br> **Price** | **Value for**<br> **LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Report<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other - Valuation<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **CU Score** | **Valuation<br>Comments** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;&nbsp; 764 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 826 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 889 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 828 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 273 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 372 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 472 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 374 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 382 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 307 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 21 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 480 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 934 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 468 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 922 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 924 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 467 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 470 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 510 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 344 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 402 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 833 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 982 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 10.02% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 393 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 680 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 10.13% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 750 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 695 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 6.37% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 959 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 3.80% | XXXXXX | XXXXXX | XXXXXX | -11.39% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 533 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 830 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 491 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |

---

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** | | |
| &nbsp;&nbsp;&nbsp;&nbsp; **Deal**<br> **ID** | **Loan**<br> **Number** | **Seller**<br> **Loan**<br> **Number** | **Original**<br> **Balance** | **Sales**<br> **Price** | **Value for**<br> **LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Report<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other - Valuation<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **CU Score** | **Valuation<br>Comments** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;&nbsp; 540 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 571 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 574 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 497 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 568 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 569 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 964 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 702 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 690 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 548 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 689 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 511 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 529 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 963 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 857 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 549 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 556 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 513 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 979 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 498 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 580 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 527 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 816 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 557 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 538 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 820 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 727 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 530 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 576 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 734 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 892 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 723 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 9.41% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 566 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 606 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 621 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 | XXXXXX | Complete |

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** | | |
| &nbsp;&nbsp;&nbsp;&nbsp; **Deal**<br> **ID** | **Loan**<br> **Number** | **Seller**<br> **Loan**<br> **Number** | **Original**<br> **Balance** | **Sales**<br> **Price** | **Value for**<br> **LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Report<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other - Valuation<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **CU Score** | **Valuation<br>Comments** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;&nbsp; 594 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 848 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 706 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 623 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 728 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 865 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 612 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 771 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.2 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 757 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 589 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1017 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 674 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 610 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 749 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 860 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 967 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.9 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 981 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 835 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 747 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 933 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 879 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 846 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 891 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 850 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 849 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 742 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 969 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 877 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 855 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 805 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 868 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 804 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 852 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 791 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 808 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 743 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 703 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 692 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1022 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 753 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 736 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 792 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 993 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 710 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 824 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004<br>SFR<br>(Mar<br>05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 | XXXXXX | Complete |

---

------

---

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| | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** | | |
| &nbsp;&nbsp;&nbsp;&nbsp; **Deal**<br> **ID** | **Seller**<br> **Loan**<br> **Number** | **Original**<br> **Balance** | **Sales**<br> **Price** | **Value for**<br> **LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Report<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other - Valuation<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **CU Score** | **Valuation<br>Comments** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;&nbsp; 882 | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | 1004 SFR<br>(Mar 05) |  |  | $0.00 |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 |  | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 2.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 984 | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | 1004 SFR<br>(Mar 05) |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 |  | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1044 | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | 1004 SFR<br>(Mar 05) |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 |  | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1.1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 859 | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | 1004 SFR<br>(Mar 05) |  |  | $0.00 |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 |  | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 2.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 917 | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | 1004 SFR<br>(Mar 05) |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 |  | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1023 | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | 1025<br>Multi-Fam<br>(Mar 05) |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 |  | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 921 | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | 1004 SFR<br>(Mar 05) |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 |  | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 2 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 972 | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | 1004 SFR<br>(Mar 05) |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 |  | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 953 | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | 1025<br>Multi-Fam<br>(Mar 05) |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 |  | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 955 | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | 1004 SFR<br>(Mar 05) |  |  | $0.00 |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 |  | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 947 | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX |  | XXXXXX |  | Property<br>Inspection<br>Waiver |  |  | $0.00 |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% | XXXXXX | XXXXXX |  | XXXXXX | 16.35% |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 960 | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | 1004 SFR<br>(Mar 05) |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 |  | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1036 | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | 1025<br>Multi-Fam<br>(Mar 05) |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 |  | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 944 | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | 1004 SFR<br>(Mar 05) |  |  | $0.00 |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 |  | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1.3 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 962 | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | 1004 SFR<br>(Mar 05) |  |  | $0.00 |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 |  | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 2 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 987 | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | 1004 SFR<br>(Mar 05) |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 |  | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1.9 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1009 | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | 1004 SFR<br>(Mar 05) |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 |  | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 3.4 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 978 | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | 1004 SFR<br>(Mar 05) |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 |  | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 3 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 975 | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | 1004 SFR<br>(Mar 05) |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 |  | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 2.4 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 999 | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | 1004 SFR<br>(Mar 05) |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 |  | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 4 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1028 | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | 1004 SFR<br>(Mar 05) |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 |  | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1021 | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | 1004 SFR<br>(Mar 05) |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 |  | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 2 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1002 | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | 1004 SFR<br>(Mar 05) |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 |  | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1.2 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1041 | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | 1004 SFR<br>(Mar 05) |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 |  | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1.2 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1013 | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | 1025<br>Multi-Fam<br>(Mar 05) |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 |  | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 974 | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | 1004 SFR<br>(Mar 05) |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 |  | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 994 | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | 1004 SFR<br>(Mar 05) |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 |  | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1.5 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 3 | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | 1004 SFR<br>(Mar 05) |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 |  | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |
| &nbsp;&nbsp;&nbsp;&nbsp; 1001 | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | 1004 SFR<br>(Mar 05) |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 |  | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1 | XXXXXX | Complete |

---

## Exhibit 99.6

**EXHIBIT 99.6** 

**CONSOLIDATED ANALYTICS, INC. ("CONSOLIDATED ANALYTICS") DUE** 

**DILIGENCE EXECUTIVE SUMMARY** 

------

![LOGO](g72187g1121132916651.jpg)

**EXECUTIVE SUMMARY** 

**THIRD PARTY DUE DILIGENCE REVIEW** 

**NOVEMBER 19, 2025** 

**Overview** 

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on behalf of its client, PennyMac Corp. (the "Client"). The review included a total of 7 newly originated residential mortgage loans, in connection with the securitization identified as PMTLT 2025-INV12 (the "Securitization"). The Review was conducted from September 2025 to October 2025 on mortgage loans originated between May 2025 and July 2025.

**Scope of Review** 

**Credit Review** 

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

The Credit Review attempted to confirm the following:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Validate monthly recurring liabilities

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

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

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

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

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

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

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

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

------

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

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

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

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

**Compliance Review** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&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;&nbsp;&nbsp;m. Additional valuation products were not required when the CU score provided was 2.4 or below or the appraisal
LCA risk score was eligible for Collateral Rep and Warranty relief. In the event the CU score was equal to or 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 where a valuation review was performed (7 loans in total):

Zero (0) loans had a Secondary Appraisal, zero (0) loans had AVMs, and two (2) loans had Desktop Reviews.

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

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

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

------

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the 7 mortgage loans reviewed, one (1) unique mortgage loan (14.29% by loan count) had a total of one (1) different tape discrepancy across one (1) data field. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| **Fields Reviewed** | **Discrepancy <br> Count** | **Percentage** |
|  Application Date | 1 | 100.00% |
|  **Grand Total** | **1** | **100.00%** |

---

**Summary of Results** 

**OVERALL RESULTS SUMMARY** 

**Final Loan Grades** 

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** |
| **Event Grade** | **Loan Count** | **Original Principal Balance** | **Percent of<br>Sample by<br> Loan Count** |
| Event Grade A | 3 | $1487500.00 | 42.86% |
| Event Grade B | 4 | $1364100.00 | 57.14% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 7 | $2851600.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Event Grade | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loan Count | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Percent of Sample |
| Event Grade A | 6 | 85.71% |
| Event Grade B | 1 | 14.29% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 7 | 100.00% |

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| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Event Grade | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loan Count | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Percent of Sample |
| Event Grade A | 4 | 57.14% |
| Event Grade B | 3 | 42.86% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 7 | 100.00% |

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| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Event Grade | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loan Count | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Percent of Sample |
| Event Grade A | 7 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 7 | 100.00% |

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**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").

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;Exception <br>Type | &nbsp;&nbsp;&nbsp;&nbsp;Exception <br> Level<br> Grade | Exception Category | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total |
|  Credit | A | <br> Audited DTI Exceeds AUS DTI<br>| 3 |
|  Credit | A | <br> Asset 2 Does Not Meet Guideline Requirements<br>| 1 |
|  Credit | A | Purchase Contract is Missing<br>| 1 |
|  Credit | A | <br> Missing Property Tax Cert<br>| 1 |
|  Credit | A | <br> Asset 5 Expired<br>| 1 |
|  Credit | A | <br> The Note is Missing<br>| 1 |
|  Credit | A | <br> Title Document Missing<br>| 1 |
|  Credit | A | <br> Hazard Insurance Policy is Partial<br>| 1 |
|  Credit | A | <br> Missing Lease Agreement<br>| 1 |
|  Credit | A | <br> AUS Not Provided<br>| 1 |

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| | | | |
|:---|:---|:---|:---|
|  |  | <br> No Credit Findings<br>| 1 |
|  |  | <br> Borrower 1 Tax Returns Not Signed<br>| 1 |
|  |  | <br> The Deed of Trust is Missing<br>| 1 |
|  |  | <br> Business Purpose Affidavit/Disclosure Missing<br>| 1 |
|  |  | <br> The Total Hazard Coverage is LESS than the Required Coverage Amount<br>| 1 |
|  |  | <br> Flood Certificate Missing<br>| 1 |
|  |  | <br> 1-4 Family Rider is Missing<br>| 1 |
|  |  | <br> Hazard Insurance Policy is Missing<br>| 1 |
|  |  | <br> ***Total Credit Grade (A) Exceptions:***<br>| ***20*** |
|  | B | <br> Title Coverage is Less than Subject Lien<br>| 1 |
|  | B | <br> ***Total Credit Grade (B) Exceptions:***<br>| ***1*** |
|  Compliance | A | <br> No Compliance Findings<br>| 1 |
|  Compliance | A | <br> Loan Originator NMLS Status is Not Active<br>| 1 |
|  Compliance | A | <br> ***Total Compliance Grade (A) Exceptions:***<br>| ***2*** |
|  Compliance | B | <br> Charges That Cannot Increase Test<br>| 3 |
|  Compliance | B | <br> Missing Initial Escrow Disclosure<br>| 1 |
|  Compliance | B | <br> Charges That In Total Cannot Increase More Than 10% Test<br>| 1 |
|  Compliance | B | <br> ***Total Compliance Grade (B) Exceptions:***<br>| ***5*** |
|  Property | A | <br> No Property Findings<br>| 6 |
|  Property | A | <br> Subject property appraisal is not on an as-is basis (Primary Value)<br>| 1 |
|  Property | A | <br> ***Total Property Grade (A) Exceptions:***<br>| ***7*** |

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**Event Grade Definitions** 

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;Final Loan Grade | &nbsp;&nbsp;&nbsp;Final Loan Grade |
| &nbsp;&nbsp;&nbsp;A | Loan meets Credit, Compliance, and Valuation Guidelines |
| &nbsp;&nbsp;&nbsp;B | 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;&nbsp;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. |
| &nbsp;&nbsp;&nbsp;D | Loan is missing documentation to perform a sufficient review. |

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;Credit Event Grades | &nbsp;&nbsp;&nbsp;Credit Event Grades |
| &nbsp;&nbsp;&nbsp;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. |
| &nbsp;&nbsp;&nbsp;B | 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;&nbsp;C | 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;&nbsp;D | There was not sufficient documentation to perform a review or the credit file was not furnished. |

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;Compliance Event Grades | &nbsp;&nbsp;&nbsp;Compliance Event Grades |
| &nbsp;&nbsp;&nbsp;A | 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;&nbsp;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. |
| &nbsp;&nbsp;&nbsp;C | The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;&nbsp;D | There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;Valuation Event Grades | &nbsp;&nbsp;&nbsp;Valuation Event Grades |
| &nbsp;&nbsp;&nbsp;A | 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;&nbsp;B | 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;&nbsp;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. |
| &nbsp;&nbsp;&nbsp;D | The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

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## Exhibit 99.7

**EXHIBIT 99.7** 

**CONSOLIDATED ANALYTICS EXCEPTION GRADES REPORT** 

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| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 1079 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 09/05/2025 | Cured | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>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 $506.95.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). TILA 130b Cure Required. Refund in the amount of $506.95; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $506.95 is due to increase from $0.00 to $506.95 for the HOA Certificate. On CD dated XXXXXX HOA certificate was added to section B and a COC was provided. The COC provided on XXXXXX does not include a justification for the added fee. Please provide a COC with detailed information on why the was added. | Document Uploaded. ; Document Uploaded. | 10/10/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; The COC indicates the fee was added but does not contain a valid reason that it was not initially disclosed and it appears the HOA documentation was dated 5/12/2025 and not disclosed until 5/19/2025 | 10/12/2025 | Borrower has stable job time—Borrower has 28.85 years on job. C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 1079 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 09/04/2025 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/10/2025 | Borrower has stable job time—Borrower has 28.85 years on job. C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 1079 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 09/04/2025 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/10/2025 | Borrower has stable job time—Borrower has 28.85 years on job. C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 1083 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | ATR/QM: Exempt | Loan<br>Review<br>Complete | 09/11/2025 | Resolved | FCOM1206 | Credit | The<br>Note is<br>Missing | The Note is Missing. Missing Note | Document Uploaded. ; Document Uploaded. | 09/25/2025 | Note provided, exception resolved. ; The Note is Present.; Invalid document. Note received is for loan #XXXXXX in the name of XXXXXX of XXXXXX, XXXXXX in XXXXXX County. | 10/03/2025 | Borrower has stable job time—Borrower has 4.11 years on job. D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 1083 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | ATR/QM: Exempt | Loan<br>Review<br>Complete | 09/11/2025 | Resolved | FCOM1220 | Credit | The<br>Deed of<br>Trust is<br>Missing | The Deed of Trust is Missing Deed of Trust Required | Document Uploaded. ; Document Uploaded. | 09/25/2025 | Deed of trust provided, exception resolved. ; The Deed of Trust is Present; Invalid document. Deed of Trust received is for loan #XXXXXX in the name of XXXXXX of XXXXXX in XXXXXX County. | 10/03/2025 | Borrower has stable job time—Borrower has 4.11 years on job. D A C |

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| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 1083 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | ATR/<br>QM:<br>Exempt | Loan<br>Review<br>Complete | 09/11/2025 | Resolved | FCRE1253 | Credit | Missing Property Tax Cert | Missing Property Tax Cert | Document Uploaded. ; Document Uploaded. | 09/25/2025 | Tax cert provided, exception resolved. ; Property Tax Cert Provided; Invalid document. Tax Cert received is for loan #XXXXXX in the name of XXXXXX, XXXXXX in XXXXXX County. ofXXXXXX, XXXXXX in XXXXXX County. | 10/03/2025 | Borrower has stable job time—Borrower has 4.11 years on job. D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 1083 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | ATR/<br>QM:<br>Exempt | Loan<br>Review<br>Complete | 09/11/2025 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing | Document Uploaded. ; Document Uploaded. | 09/25/2025 | Title provided, exception resolved. ; Title Document is fully Present; Invalid document. Title received is for loan #XXXXXX, XXXXXX in XXXXXX County. in the name of XXXXXX of XXXXXX, XXXXXX in XXXXXX County. | 10/03/2025 | Borrower has stable job time—Borrower has 4.11 years on job. D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 1083 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | ATR/<br>QM:<br>Exempt | Loan<br>Review<br>Complete | 09/11/2025 | Resolved | FCOM1229 | Credit | 1-4 Family Rider is Missing | 1-4 Family Rider is Missing. All Riders Required. | Document Uploaded. ; Document Uploaded. | 09/25/2025 | Riders provided, exception resolved. ; The 1-4 Family Rider is Present; Invalid document. Document received is not 1-4 Family Rider, it is Deed of Trust for loan #XXXXXX in the name of XXXXXX of XXXXXX in XXXXXX County. | 10/03/2025 | Borrower has stable job time—Borrower has 4.11 years on job. D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 1083 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | ATR/<br>QM:<br>Exempt | Loan<br>Review<br>Complete | 09/11/2025 | Resolved | FCRE1157 | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy Hazard Insurance Policy missing | Document Uploaded. | 09/18/2025 | Hazard Insurance Policy is fully present | 10/03/2025 | Borrower has stable job time—Borrower has 4.11 years on job. D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 1083 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | ATR/<br>QM:<br>Exempt | Loan<br>Review<br>Complete | 09/11/2025 | Resolved | FCRE1161 | Credit | Flood Certificate Missing | Missing Flood Certificate | Document Uploaded. ; Document Uploaded. | 09/25/2025 | Flood cert provided, exception resolved. ; Flood Certificate is fully present; Invalid document. Flood Cert received is for loan #XXXXXX in the name of XXXXXX. of XXXXXX, XXXXXX in XXXXXX County.; Missing Flood Certificate | 10/03/2025 | Borrower has stable job time—Borrower has 4.11 years on job. D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 1083 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | ATR/<br>QM:<br>Exempt | Loan<br>Review<br>Complete | 09/12/2025 | Resolved | FCRE1241 | Credit | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing | Document Uploaded. ; Document Uploaded. | 09/25/2025 | Purchase contract provided, exception resolved. ; Purchase Contract Doc is not Missing, or is Not Applicable.; Invalid document. Purchase Contract received is for loan #XXXXXX in the name of XXXXXX of XXXXXX in XXXXXX County. | 10/03/2025 | Borrower has stable job time—Borrower has 4.11 years on job. D A C |

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| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 1083 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | ATR/<br>QM:<br>Exempt | Loan<br>Review<br>Complete | 09/26/2025 | Resolved | FCRE1447 | Credit | Asset 5 Expired | Asset 5 Expired | Can you please advise as to what this means? | 10/02/2025 | Data entry corrected, exception resolved. ; Asset 5 Not Expired Or Not Applicable | 10/03/2025 | Borrower has stable job time—Borrower has 4.11 years on job. D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 1083 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | ATR/<br>QM:<br>Exempt | Loan<br>Review<br>Complete | 09/26/2025 | Resolved | FCOM3666 | Compliance | Loan Originator NMLS Status is Not Active | A search of the NMLS Consumer Access website shows that the loan originator did not have a valid Texas license as of the Note date. Last status date was 4/23/2024 with a renewed through date of 2024. Please provide evidence of a valid license. | Document Uploaded. XXXXXX's Texas License is still in an Approved-Deficient status in the NMLS, which means XXXXXX can still originate loans in that State. The license items are all about our Branch Offices, I have addressed these license items and attached the email to Texas – SML. Texas is notoriously slow in clearing any license items and updating the NMLS. | 10/02/2025 | Loan Originator NMLS Status is Active; LOE for NMLS | 10/03/2025 | Borrower has stable job time—Borrower has 4.11 years on job. D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 1084 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | ATR/<br>QM:<br>Exempt | Loan<br>Review<br>Complete | 09/05/2025 | Resolved | FCRE1158 | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided HOI policy is reporting the wrong address XXXXXX, should be XXXXXX. Need clarification if it was incorrectly reported. | Document Uploaded. | 10/02/2025 | Policy with correct address was provided, exception resolved. ; Hazard Insurance Policy is fully present | 10/03/2025 | Borrower has stable job time—Borrower has 13.49 years on job. D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 1084 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | ATR/<br>QM:<br>Exempt | Loan<br>Review<br>Complete | 09/05/2025 | Rescinded | FCRE1324 | Credit | Borrower 1 Tax Returns Not Signed | Borrower 1 Tax Returns Not Signed Tax return is not signed | Document Uploaded. Invalid—Page 283 has 2024 executed business return incorporated 12/23/2011. Pag 51 DU requires most recent 1 year returns as business exceeds 5 years in existence. Doc uploaded. | 09/19/2025 | Documentation is sufficient. Signed return in file. Exception rescinded.; Borrower 1 Tax Returns Are Signed | 09/20/2025 | D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 1084 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | ATR/<br>QM:<br>Exempt | Loan<br>Review<br>Complete | 09/05/2025 | Rescinded | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Business Purpose affidavit was not in file at the time of review |  |  | NA; Finding resolved. Based on lender feedback, all loans are considered consumer purposed regardless of occupancy or intended use of property. Business Purpose Affidavit not required based on lender direction. | 09/12/2025 | D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 1084 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | ATR/<br>QM:<br>Exempt | Loan<br>Review<br>Complete | 09/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/10/2025 | Borrower has stable job time—Borrower has 13.49 years on job. D A |

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| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 1085 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | ATR/<br>QM:<br>Exempt | Loan<br>Review<br>Complete | 09/05/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($408000) is insufficient, not meeting the required coverage amount of ($XXXXXX). The hazard insurance dwelling coverage of ($408000) is insufficient, not meeting the required coverage amount of ($XXXXXX). | Document Uploaded. | 10/08/2025 | Updated policy with increased coverage was provided, exception resolved. ; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 10/08/2025 | D B C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 1085 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | ATR/<br>QM:<br>Exempt | Loan<br>Review<br>Complete | 09/05/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of 58.4% exceeds AUS DTI of 46.81% Need leases to calculate correct income | The rental properties are listed on the Schedule E so leases are not required. The DTI should be back in line. Thanks! | 09/19/2025 | Documentation is sufficient. Income verified with tax returns. Exception resolved.; Audited DTI of 44.14% is less than or equal to AUS DTI of 46.81% | 10/08/2025 | D B C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 1085 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | ATR/<br>QM:<br>Exempt | Loan<br>Review<br>Complete | 09/05/2025 | Acknowledged | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $405000 is Less than Total Amount of Subject Lien $XXXXXX Title Coverage Amount of $405000 is Less than Total Amount of Subject Lien $XXXXXX |  |  | Exception non-material. Investor acknowledges exception | 09/22/2025 | D B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 1085 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | ATR/<br>QM:<br>Exempt | Loan<br>Review<br>Complete | 09/05/2025 | Resolved | FCRE7347 | Credit | Missing Lease Agreement | Missing lease agreements | Document Uploaded. The borrower owns multiple investment properties. All properties are listed on the Schedule on page 149-151 of the ICP. Leases are not required. | 09/18/2025 | Lease agreement not required—schedule C in loan file. | 09/18/2025 | D B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 1085 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | ATR/<br>QM:<br>Exempt | Loan<br>Review<br>Complete | 09/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/10/2025 | D B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 1085 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | ATR/<br>QM:<br>Exempt | Loan<br>Review<br>Complete | 09/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/10/2025 | D B A |

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| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 1086 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>APOR<br>(APOR<br>SH) | Loan<br>Review<br>Complete | 09/08/2025 | Cured | finding-<br>3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($2,168.40) exceed the comparable charges ($1,775.40) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure required: Cure of $215.46 required for increase in charges that in total cannot increase more than 10%. The Settlement fee increased from $500 to $800, Courier fee increased from $50 to $60, a Processing fee of $100 was added and the recording fee increased from $47 to $65. Cure requires PCCD, LOE, copy of refund check, proof of mailing, or valid COC. | Document Uploaded. | 10/01/2025 | Cure package provided to the borrower; exception downgraded to a 2/B | 10/02/2025 | Borrower has stable job time—Borrower has 37.81 years on job. C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 1086 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>APOR<br>(APOR<br>SH) | Loan<br>Review<br>Complete | 09/08/2025 | Acknowledged | FCOM1621 | Compliance | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing |  |  | Exception non-material. Investor acknowledges exception | 09/22/2025 | Borrower has stable job time—Borrower has 37.81 years on job. C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 1086 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>APOR<br>(APOR<br>SH) | Loan<br>Review<br>Complete | 09/08/2025 | Resolved | FCRE1480 | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record 2 Does Not Meet G/L Requirements Lender to provide the asset statement for 4/25 for account ending XXXXXX. AUS requires verification in accordance with the Selling Guide. | Per FNMA B3-4.3-01, when the account is made up of stocks and mutual funds, only the most recent monthly or quarterly statement is required. 2 months statements are required only on depository accounts. | 09/18/2025 | Asset Record 2 Meets G/L Requirements Or Not Applicable; Asset Record 2 Does Not Meet G/L Requirements; Quarterly statements | 09/19/2025 | Borrower has stable job time—Borrower has 37.81 years on job. C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 1086 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>APOR<br>(APOR<br>SH) | Loan<br>Review<br>Complete | 09/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/10/2025 | Borrower has stable job time—Borrower has 37.81 years on job. C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 1087 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MN | ATR/<br>QM:<br>Exempt | Loan<br>Review<br>Complete | 09/08/2025 | Resolved | FPRO1136 | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis Appraisal was completed subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been completed. I do not see the completion report (1004D) in file. | Document Uploaded. | 10/07/2025 | Appraisal completion cert provided, exception resolved. ; Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable | 10/08/2025 | Borrower has stable job time—Borrower has 18.61 years on job. D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 1087 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MN | ATR/<br>QM:<br>Exempt | Loan<br>Review<br>Complete | 09/08/2025 | Resolved | FCRE1184 | Credit | AUS Not Provided | Missing AUS AUS Missing from file—LP Only LP Documentation Checklist present | Document Uploaded. LP AUS in file. See attachment. | 09/17/2025 | AUS is not missing; LP Provided | 10/08/2025 | Borrower has stable job time—Borrower has 18.61 years on job. D A C |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 1069 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX MI | QM:<br>Safe<br>Harbor<br>APOR<br>(APOR<br>SH) | Loan<br>Review<br>Complete | 09/03/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of 53.99% exceeds AUS DTI of 45% Originator utilized credit report dated 04/2025 to confirm monthly liabilities, however, updated pre-close credit report dated XXXXXX discloses slightly higher payments. In addition, the updated credit report discloses an estimated $1362 monthly payment for XXXXXX while only using a payment calculation of $336.79 at time of origination. Please provide supporting documentation for payment of $336.79. |  |  | Lender provided statement for for XXXXXX confirming monthly payment is $515.21. DTI is not within guidelines, condition cleared. | 10/29/2025 | C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 1069 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX MI | QM:<br>Safe<br>Harbor<br>APOR<br>(APOR<br>SH) | Loan<br>Review<br>Complete | 09/03/2025 | Cured | finding-<br>3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $200.00, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $200.00 is due to the increase in appraisal fee without a valid COC. The appraisal invoice indicates the date the appraisal was ordered was XXXXXX and there was a $200 complexity fee added but this was not disclosed until the CD dated XXXXXX which is not considered timely 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 $200.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | 09/24/2025 | Cure package provided to the borrower; Exception downgraded to a 2/B; Cure package provided to the borrower; Exception downgraded to a 2/B | 09/25/2025 | C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 1069 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX MI | QM:<br>Safe<br>Harbor<br>APOR<br>(APOR<br>SH) | Loan<br>Review<br>Complete | 09/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/04/2025 | C B A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception<br>Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception<br>Rebuttal<br>Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 1069 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX MI | QM:<br>Safe<br>Harbor<br>APOR<br>(APOR<br>SH) | Loan<br>Review<br>Complete | 09/03/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of 53.99% exceeds AUS DTI of 45% Originator utilized credit report dated 04/2025 to confirm monthly liabilities, however, updated pre-close credit report dated XXXXXX discloses slightly higher payments. In addition, the updated credit report discloses an estimated $1362 monthly payment for XXXXXX while only using a payment calculation of $336.79 at time of origination. Please provide supporting documentation for payment of $336.79. |  |  | Lender provided statement for for XXXXXX confirming monthly payment is $515.21. DTI is not within guidelines, condition cleared. | 10/29/2025 | C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 1069 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX MI | QM:<br>Safe<br>Harbor<br>APOR<br>(APOR<br>SH) | Loan<br>Review<br>Complete | 09/03/2025 | Cured | finding-<br>3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $200.00, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $200.00 is due to the increase in appraisal fee without a valid COC. The appraisal invoice indicates the date the appraisal was ordered was XXXXXX and there was a $200 complexity fee added but this was not disclosed until the CD dated XXXXXX which is not considered timely 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 $200.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | 09/24/2025 | Cure package provided to the borrower; Exception downgraded to a 2/B; Cure package provided to the borrower; Exception downgraded to a 2/B | 09/25/2025 | C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 1069 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX MI | QM:<br>Safe<br>Harbor<br>APOR<br>(APOR<br>SH) | Loan<br>Review<br>Complete | 09/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/04/2025 | C B A |

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## Exhibit 99.8

**EXHIBIT 99.8** 

**CONSOLIDATED ANALYTICS DATA COMPARE REPORT** 

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 1084 | XXXXXX | Application Date | XXXXXX | XXXXXX | Confirmed per file documentation |

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## Exhibit 99.9

**EXHIBIT 99.9** 

**CONSOLIDATED ANALYTICS GRADING SUMMARY REPORT** 

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Seller<br>Loan<br>ID** | **Investor<br>Loan<br>ID** | **Original<br>Loan<br>Amount** |
| &nbsp;&nbsp;&nbsp;&nbsp; 1079 | XXXXXX |  |  | XXXXXX A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 1083 | XXXXXX |  |  | XXXXXX D C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 1084 | XXXXXX |  |  | XXXXXX D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 1085 | XXXXXX |  |  | XXXXXX D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 1086 | XXXXXX |  |  | XXXXXX C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 1087 | XXXXXX |  |  | XXXXXX D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 1069 | XXXXXX |  |  | XXXXXX C A B |

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## Exhibit 99.10

**EXHIBIT 99.10** 

**CONSOLIDATED ANALYTICS ATR QM REPORT** 

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Seller<br>Loan<br>ID** | **Investor<br>Loan<br>ID** | **Lender<br>Application<br>Date** | **Originator QM<br>Status** | **Final QM Status** | **Originator<br>QM Status<br>Difference<br>than Final<br>QM Status?** | **Reason<br>Why<br>NonQM<br>Final<br>Status** | **APR<br>Pricing<br>Threshold<br>Exceeded?** | **QM DTI<br>Threshold<br>Exceeded?** | **Higher<br>Priced<br>Mortgage<br>Loan<br>(HPML)?** | **Negatively<br>Amortizing<br>Loan?** | **Principal<br>Deferment?** | **Interest<br>Only<br>Flag?** | **Prepayment<br>Penalty?** | **Balloon<br>Flag?** | **Adjustable<br>Rate<br>Balloon?** | **Loan<br>Term<br>Less<br>Than<br>5<br>Years?** | **QM<br>Points and<br>Fees<br>Threshold<br>Exceeded?** | **QM<br>Total<br>Points<br>and<br>Fees** | **APR** | **ATR:<br>Qualifying<br>Payment<br>Properly<br>Considered?** | **ATR:<br>Current<br>Employment/Self-Employment<br>Verified?** | **ATR:<br>Balloon<br>Qualifying<br>Payment<br>Properly<br>Considered?** | **ATR:<br>Reasonable<br>Income or<br>Assets<br>Considered?** | **ATR:<br>Subject<br>PITIA<br>Adequately<br>Documented?** | **ATR: All<br>Liabilities<br>Including<br>Alimony<br>and Child<br>Support<br>in DTI?** | **ATR:<br>Simultaneous<br>Loan<br>Calculated<br>Properly** | **ATR:<br>Credit<br>History<br>was<br>Considered<br>Properly?** | **ATR: Did<br>Lender<br>Document<br>All ATR<br>Factors?** | **ATR:<br>Was an<br>ATR/QM<br>Residual<br>Income<br>Analysis<br>Provided?** | **Residual<br>Income** | **Residual<br>Income<br>Meets<br>Guidelines?** | **Borrower 1<br>Employment<br>Indicator** | **Borrower 2<br>Employment<br>Indicator** | **Borrower<br>1 Foreign<br>National<br>Indicator** | **Borrower<br>2 Foreign<br>National<br>Indicator** | **Business<br>Purpose<br>Loan?** | **Business<br>Purpose<br>Verified?** |
| &nbsp;&nbsp;&nbsp;1079 | XXXXXX |  |  | XXXXXX |  | QM: Safe Harbor APOR (APOR SH) | Yes |  | No | No | No | No | No | No | No | No | No | No | No | 4560 | 7.019 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A | 9124.96 | N/A | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;1083 | XXXXXX |  |  | XXXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 30165.05 | N/A | Employed |  | No |  | Yes | Missing |
| &nbsp;&nbsp;&nbsp;1084 | XXXXXX |  |  | XXXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 24006.58 | Yes | Employed |  | No |  | Yes | Missing |
| &nbsp;&nbsp;&nbsp;1085 | XXXXXX |  |  | XXXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3645.2 | N/A | Not Employed |  | No |  | Yes | Present |
| &nbsp;&nbsp;&nbsp;1086 | XXXXXX |  |  | XXXXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6901 | 7.753 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5520.55 | N/A | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;1087 | XXXXXX |  |  | XXXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  | 7.873 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 10025.63 | N/A | Employed | Employed | No | No | Yes | N/A |
| &nbsp;&nbsp;&nbsp;1069 | XXXXXX |  |  | XXXXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6900 | 7.488 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6148.55 | N/A | Employed |  | No |  | No |  |

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## Exhibit 99.11

**EXHIBIT 99.11** 

**CONSOLIDATED ANALYTICS VALUATIONS SUMMARY REPORT** 

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Seller<br>Loan<br>ID** | **Investor<br>Loan<br>ID** | **Note Date** | **Original<br>Loan<br>Amount** | **Sales<br>Price** | **Total<br>Adjusted<br>Prior<br>Purchase<br>Price** | **Primary<br>Appraised<br>Value** | **Primary<br>Appraisal<br>Date** | **Primary Appraisal<br>Type** | **Value for<br>LTV** | **LTV** | **CLTV** | **Loan<br>Reviewed<br>Property<br>Value** | **Loan<br>Reviewed<br>Variance<br>Amount** | **Loan<br>Reviewed<br>Variance<br>Percent** | **Loan<br>Reviewed<br>Product<br>Type** | **Loan<br>Post-<br>Close<br>Reviewed<br>Property<br>Value** | **Loan<br>Post-<br>Close<br>Reviewed<br>Variance<br>Amount** | **Loan<br>Post-<br>Close<br>Reviewed<br>Variance<br>Percent** | **Loan Post-<br>Close<br>Reviewed<br>Product<br>Type** | **Second <br>Appraisal <br>Value** | **Second<br>Appraisal<br>Variance<br>Amount** | **Second<br>Appraisal<br>Variance<br>Percent** | **Second<br>Appraisal<br>Date** | **Second<br>Appraisal<br>Type** | **AVM<br>Appraised<br>Value** | **AVM<br>Variance<br>Amount** | **AVM<br>Variance<br>Percent** | **AVM<br>Confidence<br>Score** | **FSD<br>Score** | **AVM<br>Company<br>Name** | **AVM<br>Product<br>Name** | **AVM<br>Appraisal<br>Date** | **Desk<br>Review<br>Appraised<br>Value** | **Desk <br>Review <br>Variance <br>Amount** | **Desk <br>Review <br>Variance <br>Percent** | **Desk <br>Review <br>Company** | **Desk<br>Review<br>Risk<br>Score** | **Desk<br>Review<br>Appraisal<br>Date** | **Second<br>Desk<br>Review<br>Variance<br>Amount** | **Second<br>Desk<br>Review<br>Variance<br>Percent** | **Second<br>Desk<br>Review<br>Appraisal<br>Date** | **Second<br>Desk<br>Review<br>Appraised<br>Value** | **Desk Top<br>Appraised<br>Value** | **Desk<br>Top<br>Variance<br>Amount** | **Desk<br>Top<br>Variance<br>Percent** | **Desk Top<br>Company** | **Desk Top<br>Appraisal<br>Date** | **BPO<br>Appraised<br>Value** | **BPO<br>Variance<br>Amount** | **BPO<br>Variance<br>Percent** | **BPO<br>Company** | **BPO<br>Appraisal<br>Date** | **Field<br>Review<br>Appraised<br>Value** | **Field<br>Review<br>Variance<br>Amount** | **Field<br>Review<br>Variance<br>Percent** | **Field<br>Review<br>Company** | **Field<br>Review<br>Appraisal<br>Date** | **2055<br>Appraised<br>Value** | **2055<br>Variance<br>Amount** | **2055<br>Variance<br>Percent** | **2055<br>Company** | **2055<br>Appraisal<br>Date** | **AVE/<br>CMA<br>Appraised<br>Value** | **AVE/<br>CMA<br>Variance<br>Amount** | **AVE/<br>CMA<br>Variance<br>Percent** | **AVE/<br>CMA<br>Company** | **AVE/<br>CMA<br>Appraisal<br>Date** | **Other<br>Appraised<br>Value** | **Other<br>Variance<br>Amount** | **Other<br>Variance<br>Percent** | **Other<br>Appraisal<br>Date** | **Updated<br>Appraised<br>Value** | **Updated<br>Variance<br>Amount** | **Updated<br>Variance<br>Percent** | **Updated<br>Company** | **Updated<br>Appraisal<br>Date** | **Updated<br>Appraisal<br>Type** | **Loan<br>Collateral<br>Advisor<br>Risk<br>Score** | **Loan<br>Collateral<br>Advisor<br>Risk<br>Score<br>Date** | **Is Eligible<br>for Rep<br>and<br>Warrant<br>Relief per<br>Loan<br>Collateral<br>Advisor?** | **Collateral<br>Underwriter<br>Risk Score** | **Collateral<br>Underwriter<br>Risk Score<br>Date** |
| &nbsp;&nbsp;&nbsp;&nbsp; 1079 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1073 Individual Condo Report | XXXXXX | 75.0 | 75.0 |  |  |  |  | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | n/a | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 1083 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 73.32 | 73.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 1084 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 67.86 | 67.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 1085 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 73.0 | 73.0 |  |  |  |  | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | NA | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 1086 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 1087 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 79.2 | 79.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 1069 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |

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