# EDGAR Filing Document

**Accession Number:** 0001599342
**File Stem:** 0001193125-25-311323
**Filing Date:** 2025-12
**Character Count:** 732451
**Document Hash:** 91a0eb3eeb02e6fa7ba2bfc684d2e9cb
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-25-311323.hdr.sgml**: 20251208

**ACCESSION NUMBER**: 0001193125-25-311323

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

**PUBLIC DOCUMENT COUNT**: 11

**CONFORMED PERIOD OF REPORT**: 20251208

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

**FILED AS OF DATE**: 20251208

**DATE AS OF CHANGE**: 20251208

**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:** 251556601

**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-CNF2
**(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](d93978dex991.htm) |
| 99.2 | [Clayton Conditions Report](d93978dex992.htm) |
| 99.3 | [Clayton Rating Agency ATR QM Data Fields](d93978dex993.htm) |
| 99.4 | [Clayton Loan Level Tape Compare Upload](d93978dex994.htm) |
| 99.5 | [Clayton Valuations Summary](d93978dex995.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 | December 8, 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** 

------

![LOGO](g93978g1206134326175.jpg)

![LOGO](g93978dsp1a.jpg)

![LOGO](g93978g1206134325719.jpg)

**December 3, 2025**<br>**Due Diligence Narrative Report**<br>

------

![LOGO](g93978g1206134326311.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* | | *3* | |
| &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* | | *4* | |
| &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-CNF2 Page \| 1 December 3, 2025

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![LOGO](g93978g1206134326311.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 260 residential loans selected for the PMT Loan Trust 2025-CNF2 transaction. The loans referenced in this narrative report were reviewed on a bulk basis from October 2025 to 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 | 48 | 18.46% |
|  Correspondent Bulk | 90 | 34.62% |
|  Correspondent Flow with delegated underwriting | 41 | 15.77% |
|  Correspondent Flow without delegated underwriting | 18 | 6.92% |
|  Retail | 63 | 24.23% |
|  **Total** | **260** | **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."

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

PMT Loan Trust 2025-CNF2 Page \| 2 December 3, 2025

------

![LOGO](g93978g1206134326311.jpg)

**SAMPLING** 

Upon receipt of Asset Tape, Diligence provider randomly selected 260 Purchased Mortgage loans listed thereon, excluding Wet Loans. 100% of the loans received a Full Review as described below.

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| *Review Type* | *Loan Count*<br> *Reviewed by Clayton* | *Scope Applied* |
| **Full Review** | 260 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | 260 |  |

---

**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 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](g93978g1206134325847.jpg)

PMT Loan Trust 2025-CNF2 Page \| 3 December 3, 2025

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![LOGO](g93978g1206134326311.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.

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 (260 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 (260 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-CNF2 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.

PMT Loan Trust 2025-CNF2 Page \| 4 December 3, 2025

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![LOGO](g93978g1206134326311.jpg)

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;

&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.

PMT Loan Trust 2025-CNF2 Page \| 5 December 3, 2025

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![LOGO](g93978g1206134326311.jpg)

&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 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).

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-CNF2 Page \| 6 December 3, 2025

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![LOGO](g93978g1206134326311.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 | 30 | 88.46% |
|  Borrower 1 Date of Birth | 1 | 99.62% |
|  Borrower 1 Self Employed Flag | 1 | 99.62% |
|  Borrower 1 Total Income | 27 | 89.62% |
|  Borrower 2 Self Employed Flag | 1 | 99.62% |
|  Cash Reserves | 176 | 32.31% |
|  Combined LTV | 4 | 98.46% |
|  Credit Report Date | 6 | 97.69% |
|  Debt to Income Ratio (Back) | 10 | 96.15% |
|  Loan Purpose | 1 | 99.62% |
|  Occupancy Type | 1 | 99.62% |
|  Original Appraisal Date | 3 | 98.85% |
|  Original Appraised Value | 4 | 98.46% |
|  Original LTV | 2 | 99.23% |
|  Origination Channel | 25 | 90.38% |
|  Property Type | 20 | 92.31% |
|  Sales Price | 1 | 99.62% |
|  Total Monthly Income | 4 | 98.46% |

---

PMT Loan Trust 2025-CNF2 Page \| 7 December 3, 2025

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![LOGO](g93978g1206134326311.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 (260 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** | 77 |  | 4 | 91 | **172** |
| **Final** | **B** |  | 5 | 3 | 67 | **75** |
| **Final** | **C** |  |  | 1 | 6 | **7** |
| **Final** | **D** |  |  |  | 6 | **6** |
| **Final** | **Total** | **77** | **5** | **8** | **170** | **260** |

---

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** | 225 | 1 | 9 | 15 | **250** |
| **Final** | **B** |  | 1 |  |  | **1** |
| **Final** | **C** |  |  | 6 | 1 | **7** |
| **Final** | **D** |  |  |  | 2 | **2** |
| **Final** | **Total** | **225** | **2** | **15** | **18** | **260** |

---

**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** | 104 |  |  | 93 | **197** |
| **Final** | **B** |  |  |  | 62 | **62** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  | 1 | **1** |
| **Final** | **Total** | **104** | **0** | **0** | **156** | **260** |

---

**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** | 217 |  | 5 | 14 | **236** |
| **Final** | **B** |  | 8 | 7 | 3 | **18** |
| **Final** | **C** |  |  | 2 |  | **2** |
| **Final** | **D** |  |  |  | 4 | **4** |
| **Final** | **Total** | **217** | **8** | **14** | **21** | **260** |

---

PMT Loan Trust 2025-CNF2 Page \| 8 December 3, 2025

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![LOGO](g93978g1206134326311.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-CNF2 Page \| 9 December 3, 2025

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![LOGO](g93978g1206134326311.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

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

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&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:

&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

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&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-CNF2 Page \| 12 December 3, 2025

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![LOGO](g93978g1206134326311.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

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.

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&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

&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

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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.

PMT Loan Trust 2025-CNF2 Page \| 15 December 3, 2025

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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)

&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)

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![LOGO](g93978g1206134326311.jpg)

&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.

---

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

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**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.

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

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

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**<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-CNF2 Page \| 20 December 3, 2025

## Exhibit 99.2

**EXHIBIT 99.2** 

**CLAYTON CONDITIONS REPORT** 

------

---

| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2025-CNF2 Securitization_J16298** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *260* |
| ***Loans with Conditions:*** | *185* |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;**30 - Total Active Conditions** | |
| **17 - Material Conditions** | **17 - Material Conditions** |
| 10 - Credit Review Scope | 10 - Credit Review Scope |
|  | 2 - Category: Assets |
|  | 2 - Category: Credit/Mtg History |
|  | 1 - Category: Insurance |
|  | 2 - Category: LTV/CLTV |
|  | 2 - Category: Terms/Guidelines |
|  | 1 - Category: Title |
| 1 - Property Valuations Review Scope | 1 - Property Valuations Review Scope |
|  | 1 - Category: Appraisal |
| 6 - Compliance Review Scope | 6 - Compliance Review Scope |
|  | 3 - Category: Ability to Repay/Qualified Mortgage |
|  | 1 - Category: Compliance Manual |
|  | 2 - Category: TILA/RESPA Integrated Disclosure |
| **13 - Non-Material Conditions** | **13 - Non-Material Conditions** |
| 1 - Credit Review Scope | 1 - Credit Review Scope |
|  | 1 - Category: Income/Employment |
| 12 - Compliance Review Scope | 12 - Compliance Review Scope |
|  | 9 - Category: RESPA |
|  | 1 - Category: Right of Rescission |
|  | 2 - Category: Texas Home Equity |
| &nbsp;&nbsp;&nbsp;**304 - Total Satisfied Conditions** |  |
| 30 - Credit Review Scope | 30 - Credit Review Scope |
|  | 4 - Category: Ability to Repay/Qualified Mortgage |
|  | 2 - Category: Application |
|  | 1 - Category: Credit/Mtg History |
|  | 3 - Category: DTI |
|  | 4 - Category: Income/Employment |
|  | 4 - Category: Insurance |
|  | 5 - Category: Legal Documents |
|  | 1 - Category: Re-Verifications |
|  | 6 - Category: Terms/Guidelines |
| 222 - Property Valuations Review Scope | 222 - Property Valuations Review Scope |
|  | 217 - Category: Appraisal |
|  | 5 - Category: Value |
| 52 - Compliance Review Scope | 52 - Compliance Review Scope |
|  | 16 - Category: Ability to Repay/Qualified Mortgage |
|  | 1 - Category: APR Tolerance |
|  | 1 - Category: Documentation |
|  | 1 - Category: Finance Charge Tolerance |
|  | 2 - Category: Texas Home Equity |
|  | 31 - 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-CNF2 Securitization_J16298** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *260* |
| ***Loans with Conditions:*** | *185* |

---

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) 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 | VVOE<br>missing<br>date<br>confirming<br>receipt<br>within 10<br>days prior<br>to closing.<br>Current<br>VVOE<br>noted<br>specific<br>start/stop<br>time frame.<br>IM receipt<br>confirming<br>employment<br>not dated. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 4.33yrs tenure with current employer<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 48.31% LTV below maximum allowed 80% LTV per guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Excellent credit with no late pay/derog line items. 729 Median Credit Score, Oldest Trade 1/1994, 96 consecutive months mortgage payment history. |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | XXXXXX ID | 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)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 11/14/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/14/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 2 Years and 9 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years and 10 months at current profession. |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | XXXXXX ID | 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 is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 11/14/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/14/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 2 Years and 9 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years and 10 months at current profession. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;8 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence 12 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 159 months credit history exceeds guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history. |
| &nbsp;&nbsp;&nbsp;10 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or<br>incomplete<br>documentation<br>related to<br>citizenship/<br>residency | No | Missing/<br>incomplete<br>documentation<br>for<br>citizenship/<br>residency for<br>Borrower 2.<br>Permanent<br>residence card<br>for B2 is<br>expired.<br>Provide proof<br>of applying<br>for renewal to<br>be able to use<br>the 36 month<br>auto<br>extension. | 11/21/2025:<br>Received<br>I797-A to<br>show 48<br>month<br>extension<br>to 3/2028. | 11/21/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 778 > is above guideline minimum credit score 620.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower 2 has additional Bonus income that is not being used to qualify. |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | XXXXXX | MD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 815 mid score > min required of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Very Good Credit History<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 24 Years 8 months at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 36+ Years in Profession and 14 years 11 months with current Employer |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;13 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 714 median FICO. Minimum required 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified 28.40% DTI. Max allowed 50%. |
| &nbsp;&nbsp;&nbsp;15 | XXXXXX | XXXXXX | HI | 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>2.6. Clayton<br>to order<br>Desk<br>Review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds required 772>680 by 92 points<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Both borrower's has been with the same employer for over 25 years |
| &nbsp;&nbsp;&nbsp;16 | XXXXXX | XXXXXX | AZ | 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 | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 31% which is < max allowable of 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 40% below max allowable of 95% |
| &nbsp;&nbsp;&nbsp;16 | 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 | CU score ><br>2.5. Clayton<br>to order desk<br>review. | 11/11/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/11/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 31% which is < max allowable of 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 40% below max allowable of 95% |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;20 | 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<br>Approved<br>by AUS<br>as an<br>Appraisal<br>Waiver<br>(PIW).<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 769 qualifying score exceeds guideline minimum of 620<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned primary / current residence for 29+ years |
| &nbsp;&nbsp;&nbsp;20 | 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 | Loan<br>Approved<br>by AUS<br>as an<br>Appraisal<br>Waiver<br>(PIW).<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 769 qualifying score exceeds guideline minimum of 620<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned primary / current residence for 29+ years |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | XXXXXX | MN | 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 3.5.<br>Clayton<br>to order<br>Desk<br>Review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 30 yrs<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score 717 exceeds GL 620<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 yrs 7 mos<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 15 yrs 9 mos per WVOE |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | XXXXXX | WA | 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>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance (-<br>8.82%). | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been self employed for 23 years. |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | XXXXXX | WA | 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>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance (-<br>8.82%). | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been self employed for 23 years. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | XXXXXX | HI | 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<br>score.<br>Clayton<br>to order<br>Desk<br>Review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 772 qualifying score exceeds guideline minimum of 620<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 132 months with 0x30 consumer credit payment history exceeds guidelines of 24 months. |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | XXXXXX | CA | 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 | CMPTRID5107 | TRID —<br>Seller<br>CD not<br>in file;<br>need in<br>order to<br>complete<br>fee entry | No | Missing<br>Seller<br>CD. | 11.25.2025<br>-Seller<br>ALTA<br>provided | 11.25.2025<br>-Exception<br>satisfied | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 765 is 85 points above minimum program requirement of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 29.99% is below the guideline minimum of 45%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $188520.41 or 52.86 months of PITI ($3566.40). |
| &nbsp;&nbsp;&nbsp;26 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 753 qualifying score exceeds guideline minimum of 620<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 12+ years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower 1 has had stable employment with same company for the past 8 years and in profession for the past 40 years. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;27 | XXXXXX | XXXXXX | CT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 13 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with current employer for the past 41 years |
| &nbsp;&nbsp;&nbsp;595 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80%. Max 95%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 734. Minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $411,576.46 or 126.61 months PITI reserves. No Reserves required |
| &nbsp;&nbsp;&nbsp;32 | 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 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 | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 807 is 187 points above program guideline minimum of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months |
| &nbsp;&nbsp;&nbsp;32 | 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 | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 807 is 187 points above program guideline minimum of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months |
| &nbsp;&nbsp;&nbsp;596 | XXXXXX | XXXXXX | HI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 805 qualifying score exceeds guideline minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $496,469.97 or 104.72 months PITI |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance<br>Effective<br>date is<br>greater<br>than the<br>transaction<br>date | No | HOI<br>Effective<br>date is<br>XXX.<br>Loan<br>disbursed<br>XXX | 11/4/2025:<br>Only 7<br>business<br>days<br>elapsed. | 11/4/2025:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 62.11 is below max of 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 8 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 10 years at current profession.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: co borrower has 10 years at current profession. |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | XXXXXX | TN | 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 | CU<br>Score is<br>4.6.<br>Clayton<br>to order<br>Desk<br>Review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 62.11 is below max of 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 8 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 10 years at current profession.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: co borrower has 10 years at current profession. |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 9 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has worked for the same employer for 25 years |

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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 Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;38 | XXXXXX | XXXXXX | RI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 3 Years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years and 0 months at current profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 Years and 0 months at current residence. |
| &nbsp;&nbsp;&nbsp;40 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: the borrower has been XXX for 5 years<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage payment history reporting to credit is positive. |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | NC | 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<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<br>Data) | Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 777 median FICO. Minimum required 620.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 mortgage history reporting over 36 months |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;44 | 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>4.0.<br>Clayton<br>to order<br>Desk<br>Review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 154 months credit history exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 29+ months reserves exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence 3 years. |
| &nbsp;&nbsp;&nbsp;45 | 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 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 | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80%. Max 95%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 810. Minimum required 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $53,717.94 or 11.91 months PITI reserves. Reserves not required |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | XXXXXX | CA | 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 is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80%. Max 95%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 810. Minimum required 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $53,717.94 or 11.91 months PITI reserves. Reserves not required |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;46 | 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 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 | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Very Good Credit History<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 25+ Months reporting positive 0 x 30<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Reporting 0 x 30 for 63+ Months |
| &nbsp;&nbsp;&nbsp;46 | 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 | Loan is<br>PIW<br>Approved,<br>Clayton to<br>order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Very Good Credit History<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 25+ Months reporting positive 0 x 30<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Reporting 0 x 30 for 63+ Months |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 777 exceeds min of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 79% is below max of 90%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good overall credit on credit report. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | XXXXXX | CA | 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>N/A.<br>Clayton<br>to order<br>desk<br>review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 FICO SCORE Minimum FICO is 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $98,509.38 or 16.23 months of P&I > min required of $0<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 - 18 years in profession |
| &nbsp;&nbsp;&nbsp;58 | 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<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 11/12/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 208 Months reporting 0 x 30<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 21 Years at current residence |
| &nbsp;&nbsp;&nbsp;58 | 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>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 11/12/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 208 Months reporting 0 x 30<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 21 Years at current residence |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | MN | 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>3.0.<br>Clayton<br>to order<br>Desk<br>Review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 fico score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $129319.08 or 40.78 months of P&I<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: b1 - 9 years in profession |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;63 | 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 C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Missing<br>Updated<br>Valuation:<br>Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 11/12/2025:<br>Received<br>BPO not<br>supporting<br>value (-<br>10.10%). | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has 13 years 6 months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves $290,369.90 exceed required reserves of $0.00.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 780 exceeds required score 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 80.00% below program maximum 95.00%. |
| &nbsp;&nbsp;&nbsp;63 | XXXXXX | XXXXXX CA | 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 | Missing<br>Updated<br>Valuation:<br>Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 11/12/2025:<br>Received<br>BPO not<br>supporting<br>value (-<br>10.10%). | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has 13 years 6 months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves $290,369.90 exceed required reserves of $0.00.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 780 exceeds required score 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 80.00% below program maximum 95.00%. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;63 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property<br>Value Not<br>Supported | No | 11/12/2025:<br>Exception<br>added after<br>review of<br>trailing<br>docs:<br>Received<br>BPO not<br>supporting<br>value (-<br>10.10%).<br>Clayton to<br>order Field<br>Review. | 11/18/2025:<br>Received 2055<br>supporting value. | 11/18/2025:<br>Exception satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has 13 years 6 months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves $290,369.90 exceed required reserves of $0.00.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 780 exceeds required score 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 80.00% below program maximum 95.00%. |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | XXXXXX MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 11/10/2025:<br>Received BPO<br>not supporting<br>value (-15.32%). | 11/10/2025:<br>Exception satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 768 median FICO. Minimum required 620. |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | XXXXXX MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 11/10/2025:<br>Received BPO<br>not supporting<br>value (-15.32%).<br>Clayton to order<br>2055.11/14/2025:<br>Received 2055<br>supporting XXX<br>value — within<br>tolerance. | 11/10/2025:<br>Exception<br>remains.11/14/2025:<br>Exception satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 768 median FICO. Minimum required 620. |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | XXXXXX MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property<br>Value Not<br>Supported | No | 11/10/2025:<br>Exception<br>added after<br>review of<br>trailing<br>docs:<br>Received<br>BPO not<br>supporting<br>value (-<br>15.32%).<br>Clayton to<br>order 2055 | 11/14/2025:<br>Received 2055<br>supporting<br>$XXX value —<br>within tolerance. | 11/14/2025:<br>Exception satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 768 median FICO. Minimum required 620. |
| &nbsp;&nbsp;&nbsp;597 | XXXXXX | XXXXXX NC | 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<br>3.5.<br>Clayton to<br>order Desk<br>Review. | 11/12/2025:<br>Received CDA<br>supporting value. | 11/12/2025:<br>Exception satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 704 fico score Minimum FICO is 620<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 5 years in profession |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;69 | 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<br>to order<br>BPO | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 29.59 is below max of 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 5.6 years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 765 credit score exceeds min of 620.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: No mortgage lates on past 2 years on credit report. |
| &nbsp;&nbsp;&nbsp;69 | 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 | an is PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 29.59 is below max of 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 5.6 years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 765 credit score exceeds min of 620.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: No mortgage lates on past 2 years on credit report. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;70 | XXXXXX | XXXXXX | CA | 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 | Missing<br>Affiliate<br>Business<br>Disclosure. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | (No Data) |
| &nbsp;&nbsp;&nbsp;70 | 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 | PRVAAPPR275 | Completed<br>"Subject To"<br>w/o<br>Completion<br>Cert in File | No | Missing<br>1004D to<br>support<br>appraisal<br>requirements<br>have been<br>met. | 11/25/2025:<br>Received<br>1004D,<br>100%<br>complete. | 11/25/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | (No Data) |
| &nbsp;&nbsp;&nbsp;71 | XXXXXX | XXXXXX | UT | 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 | 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 | $40 Zero<br>Percent<br>Tolerance<br>Violation due<br>to increase in<br>Credit Report<br>from $75 to<br>$115 at or<br>prior to close<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. | 11.24.2025<br>— Cure<br>provided. | 11.24.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 Years and 4 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years and 0 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 620. File credit score 766. |
| &nbsp;&nbsp;&nbsp;71 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) 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. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 Years and 4 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years and 0 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 620. File credit score 766. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;71 | XXXXXX | XXXXXX | UT | 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 | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 Years and 4 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years and 0 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 620. File credit score 766. |
| &nbsp;&nbsp;&nbsp;74 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | No ABA<br>or<br>FACTS<br>sheet<br>provided<br>for this<br>lender to<br>verify<br>affiliates. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 137 consecutive months mortgage payment history exceeds guideline 24 month credit review.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Excellent credit history with no late pay/derog line items. 803 Median Credit Score, Oldest Trade Line 4/2001<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.67% DTI below maximum allowed 45% DTI per guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 9.58yrs tenure with current employer |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;74 | 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 | UCDP<br>3.5.<br>Clayton<br>to order a<br>Desk<br>Review | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 137 consecutive months mortgage payment history exceeds guideline 24 month credit review.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Excellent credit history with no late pay/derog line items. 803 Median Credit Score, Oldest Trade Line 4/2001<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.67% DTI below maximum allowed 45% DTI per guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 9.58yrs tenure with current employer |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | XXXXXX | CA | 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 is<br>3.5<br>.Clayton<br>to order<br>Desk<br>Review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0 x 30 for 134+ Months<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 10+ Years in Profession as a Nurse |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | XXXXXX | GA | 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<br>to order<br>BPO | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 288 months credit history exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence 5+ years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: verified reserves of $32,995.35 exceed required reserves of $0.00 |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | XXXXXX GA | 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>PIW<br>approved,<br>Clayton to<br>order BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 288 months credit history exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence 5+ years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: verified reserves of $32,995.35 exceed required reserves of $0.00 |
| &nbsp;&nbsp;&nbsp;79 | 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 rule;<br>the loan file is<br>missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | No | Missing<br>Breakdown<br>to support<br>Borrowers<br>Bonus<br>Income of<br>$2083.33<br>per month<br>per Final<br>1003 | 11/18/2025:<br>Received<br>WVOE. No<br>bonus.<br>Removed<br>and DTI is<br>now<br>32.97%,<br>within 3%<br>tolerance. | 11/18/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 757 > 137 points of minimum guideline requirements of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 41.0642% LTV for Subject Property is below guideline max LTV of 80%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 30.54% is above the minimum program requirements of 45% |
| &nbsp;&nbsp;&nbsp;79 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Credit | Income/<br>Employment | Satisfied C A | CRDINC888 | Income<br>Amount is<br>Unsupported<br>by<br>Documentation<br>in File | No | Missing<br>Breakdown<br>to support<br>Borrowers<br>Bonus<br>Income of<br>$2083.33<br>per month<br>per Final<br>1003 | 11/18/2025:<br>Received<br>WVOE. No<br>bonus.<br>Removed<br>and DTI is<br>now<br>32.97%,<br>within 3%<br>tolerance. | 11/18/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 757 > 137 points of minimum guideline requirements of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 41.0642% LTV for Subject Property is below guideline max LTV of 80%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 30.54% is above the minimum program requirements of 45% |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;79 | XXXXXX | XXXXXX | ID | 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 | Updated AUS<br>required to<br>correct<br>appraised value<br>of $XXX to<br>$XXX . AUS<br>recommendation<br>to remain DU<br>Approve<br>Eligible. | 11/18/2025:<br>Received<br>updated<br>DU #12<br>with correct<br>value. | 11/18/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 757 > 137 points of minimum guideline requirements of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 41.0642% LTV for Subject Property is below guideline max LTV of 80%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 30.54% is above the minimum program requirements of 45% |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | XXXXXX | UT | 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 UCDP<br>provided.<br>Clayton to order<br>Desk Review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 39.37%. Max 95%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 765. Minimum required 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $87,438.72 or 37.24 months PITI reserves. No reserves required |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | XXXXXX | CO | 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 updated<br>valuation. LCA<br>score: [report<br>not provided].<br>Clayton to order<br>desk review. | 11/12/2025:<br>Exception<br>satisfied. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 21 years at current job<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 46 years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $88,168.93 (21.79 months PITIA reserves) > min reserves required of $0.00 |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;84 | 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 UCDP-<br>SSR or<br>CDA in<br>file.<br>Clayton to<br>order desk<br>review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 35 years and 9 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years and 5 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 77.92% LTV below guideline requirements of 95.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 729 is 109 points above program guideline minimum of 620. |
| &nbsp;&nbsp;&nbsp;598 | 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 | No UCDP<br>provided.<br>Clayton to<br>order Desk<br>Review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 6.8 years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 10.7 years at current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: CO-Borrower has 12.9 years at current job. |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | XXXXXX | NH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | 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>updated<br>AUS<br>reflecting<br>accept/<br>eligible<br>with DTI<br>of 45.39%.<br>Rental<br>(loss)<br>calculated<br>at review:<br>($1,693.08)<br>VS Lender<br>at<br>origination:<br>($693.00)<br>resulted<br>in:(1) DTI<br>variance of<br>11.18%<br>exceeds<br>allowable<br>tolerance<br>of 3% (2)<br>Review<br>DTI of<br>45.39% ><br>maximum<br>permitted<br>of 45% | 11/21/2025:<br>Received mtg<br>stmnt and<br>Form 1007 for<br>REO on XXX<br>Re-verified<br>rental income<br>on 2024 Sch E<br>and also used<br>75% of the<br>lower market<br>rent on Form<br>1007. Verified<br>$400.43/month<br>net. DTI is<br>now 35.33%,<br>within<br>tolerance. | 11/21/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 35% max allowed is 45%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $206,836.84 (146.01 months PITIA reserves) > min required of $0.00 |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | XXXXXX NH | 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>approved<br>as PIW.<br>Clayton<br>to order<br>BPO. | 11/12/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 35% max allowed is 45%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $206,836.84 (146.01 months PITIA reserves) > min required of $0.00 |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | XXXXXX NH | 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>approved<br>as PIW.<br>Clayton<br>to order<br>BPO. | 11/12/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 35% max allowed is 45%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $206,836.84 (146.01 months PITIA reserves) > min required of $0.00 |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | XXXXXX NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | 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>proof the<br>mortgage<br>payment<br>on XXX<br>includes<br>taxes and<br>insurance.<br>Also<br>missing<br>proof of<br>any HOA<br>dues | 12/3/2025:<br>Received<br>full PITIA<br>info for<br>REO. | 12/3/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 85%. Max 95%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 765 minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $70,095.88 or 11.60 months PITI reserves. No reserves required |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | XXXXXX NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | APR<br>Tolerance | Satisfied B A | CMPAPRT110 | APR -<br>Insufficient<br>Information<br>for APR-<br>Payment<br>Stream<br>Testing | No | Missing MI<br>Certificate;<br>Insufficient<br>Information<br>for APR-<br>Payment<br>Stream<br>Testing. | 11/18/2025:<br>Rule<br>Satisfied by<br>updated<br>data points. | 11/18/2025:<br>Rule<br>Satisfied by<br>updated<br>data points. | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 85%. Max 95%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 765 minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $70,095.88 or 11.60 months PITI reserves. No reserves required |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | XXXXXX NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Documentation | Satisfied C A | CMPDOC5455 | Mortgage<br>Insurance<br>required<br>but MI<br>Certificate<br>is missing | No | Missing<br>Mortgage<br>Insurance<br>Certificate. | 11/18/2025:<br>Received<br>Essent MI<br>Cert. | 11/18/2025:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 85%. Max 95%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 765 minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $70,095.88 or 11.60 months PITI reserves. No reserves required |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | XXXXXX NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | Finance<br>Charge<br>Tolerance | Satisfied C B | CMPFINT106 | Finance<br>charge<br>understated<br>by more<br>than $100<br>(Pmt<br>Stream) | No | Rule<br>Satisfied by<br>updated<br>data points. | 11/18/2025:<br>Rule<br>Satisfied by<br>updated<br>data points. | 11/18/2025:<br>Rule<br>Satisfied by<br>updated<br>data points. | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 85%. Max 95%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 765 minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $70,095.88 or 11.60 months PITI reserves. No reserves required |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | XXXXXX | NJ | 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 | CMPTRID4056 | TRID -<br>CD: The<br>Total<br>Payment<br>Amount on<br>the Loan<br>Calculation<br>section of<br>the Final<br>Closing<br>Disclosure<br>is less than<br>the Clayton<br>Calculated<br>Total<br>Payment<br>Amount | No | Rule<br>Satisfied<br>by<br>updated<br>data<br>points. | 11/18/2025:<br>Rule<br>Satisfied by<br>updated<br>data points. | 11/18/2025:<br>Rule<br>Satisfied by<br>updated<br>data points. | Numeric | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 85%. Max 95%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 765 minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $70,095.88 or 11.60 months PITI reserves. No reserves required |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | XXXXXX | NJ | 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>proof the<br>mortgage<br>payment<br>on XXX<br>includes<br>taxes and<br>insurance.<br>Also<br>missing<br>proof of<br>any HOA<br>dues | 12/3/2025:<br>Received<br>full PITIA<br>info for<br>REO. | 12/3/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 85%. Max 95%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 765 minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $70,095.88 or 11.60 months PITI reserves. No reserves required |
| &nbsp;&nbsp;&nbsp;91 | 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 | No<br>UCDP<br>provided.<br>Clayton<br>to order<br>Desk<br>Review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 85%. Max 95%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 765 minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $70,095.88 or 11.60 months PITI reserves. No reserves required |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | XXXXXX | WY | 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 not<br>assessed.<br>Clayton<br>to order<br>desk<br>review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 787 > min. requirement of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.06% < max allowable of 45%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 12% revolving credit utilization |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;95 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Credit | Assets | Active C | CRDAST3036 | Assets<br>reflect<br>unsourced<br>deposits | Yes | Documentation<br>to source the<br>$XXX deposit<br>from XXX on<br>4/2/2025 is<br>missing - XXX

#XXX. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 791 FICO score exceeds guidelines by 171 points<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Client has been at current position for over 13 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is below 35% |
| &nbsp;&nbsp;&nbsp;95 | XXXXXX | XXXXXX CA | 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: No<br>LCA score.<br>Clayton to<br>order desk<br>review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 791 FICO score exceeds guidelines by 171 points<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Client has been at current position for over 13 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is below 35% |
| &nbsp;&nbsp;&nbsp;96 | XXXXXX | XXXXXX FL | 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 approved<br>with PIW.<br>Clayton to<br>order BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value.<br>Note:<br>Gated<br>community.<br>Cannot<br>access<br>without<br>direct<br>contact<br>with<br>owners -<br>not<br>allowed. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 32.52%. maximum is 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 71%. maximum is 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 763. minimum 620 |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;96 | XXXXXX | XXXXXX | FL | 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 approved<br>with PIW.<br>Clayton to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value.<br>Note:<br>Gated<br>community.<br>Cannot<br>access<br>without<br>direct<br>contact<br>with<br>owners -<br>not<br>allowed. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 32.52%. maximum is 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 71%. maximum is 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 763. minimum 620 |
| &nbsp;&nbsp;&nbsp;98 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C 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<br>complete<br>the ATR/<br>QM<br>review<br>and render<br>an<br>accurate<br>ATR/QM<br>status. | No | Provide AUS<br>with property<br>type as detached<br>PUD. LP AUS<br>recommendation<br>to remain<br>Streamlined<br>Accept. | 12/1/2025:<br>Received<br>updated<br>AUS. | 12/1/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has significant time in profession, 6 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 741 FICO score. Minimum required 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x37 mortgage payment history |
| &nbsp;&nbsp;&nbsp;98 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B | Credit | Terms/<br>Guidelines | Satisfied D A | CRDTER2548 | Missing<br>AUS or<br>AUS<br>errors<br>present | No | Provide AUS<br>with property<br>type as detached<br>PUD. LP AUS<br>recommendation<br>to remain<br>Streamlined<br>Accept. | 12/1/2025:<br>Received<br>updated LP<br>with correct<br>Property<br>type. | 12/1/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has significant time in profession, 6 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 741 FICO score. Minimum required 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x37 mortgage payment history |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;98 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B A | Credit | Title | Active C | CRDTIL875 | Title<br>Does Not<br>Agree<br>With<br>Mortgage | Yes | Per title<br>commitment<br>Schedule<br>BII there are<br>CC&Rs and<br>HOA Trust<br>recorded<br>with the<br>County. for<br>XXX<br>Provide the<br>PUD Rider<br>and<br>corrected<br>Deed of<br>Trust to<br>include<br>PUD Rider. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has significant time in profession, 6 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 741 FICO score. Minimum required 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x37 mortgage payment history |
| &nbsp;&nbsp;&nbsp;98 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D 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 to<br>order BPO | 11/12/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has significant time in profession, 6 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 741 FICO score. Minimum required 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x37 mortgage payment history |
| &nbsp;&nbsp;&nbsp;98 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>Approved;<br>Clayton to<br>order BPO. | 11/12/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has significant time in profession, 6 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 741 FICO score. Minimum required 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x37 mortgage payment history |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | XXXXXX ME | 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 rule;<br>the loan file is<br>missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | No | Borrower started<br>a new job<br>2/3/2025. Base<br>salary was used<br>$8,333.35/month.<br>1008m 1003 and<br>LP have<br>$9,259.38/month.<br>There is no LOX<br>or calcs to show<br>where this came<br>from. Cannot use<br>sign on bonus in<br>income and there<br>is no proof of<br>history of receipt.<br>Lender verified<br>38% DTI.<br>Clayton verified<br>42.19% DTI.<br>This is outside<br>the 3% tolerance.<br>Provide docs for<br>the additional<br>income of<br>$926.03/month<br>or LP is to be re-<br>run with higher<br>DTI with<br>Streamlined<br>Accept result. | 11/25/2025:<br>Received<br>updated<br>AUS, 1008<br>and 1003<br>with DTI of<br>42%. | 11/25/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 52+ Months reporting 0 x 30<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0 x 30 reporting for 158+ Months |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | XXXXXX ME | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Income/<br>Employment | Satisfied D A | CRDINC3204 | Income<br>Documentation<br>Missing | No | Borrower started<br>a new job<br>2/3/2025. Base<br>salary was used<br>$8,333.35/month.<br>1008m 1003 and<br>LP have<br>$9,259.38/month.<br>There is no LOX<br>or calcs to show<br>where this came<br>from. Cannot use<br>sign on bonus in<br>income and there<br>is no proof of<br>history of receipt.<br>Lender verified<br>38% DTI.<br>Clayton verified<br>42.19% DTI.<br>This is outside<br>the 3% tolerance.<br>Provide docs for<br>the additional<br>income of<br>$926.03/month<br>or LP is to be re-<br>run with higher<br>DTI with<br>Streamlined<br>Accept result. | 11/25/2025:<br>Received<br>updated<br>AUS, 1008<br>and 1003<br>with DTI of<br>42%. | 11/25/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 52+ Months reporting 0 x 30<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0 x 30 reporting for 158+ Months |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | XXXXXX ME | 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 UCDP<br>provided.<br>Clayton to order<br>Desk Review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 52+ Months reporting 0 x 30<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0 x 30 reporting for 158+ Months |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;104 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 63.61%. Max 97%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 795. Minimum score 795<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.77%. Max 45%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $1,756,881.62 or 288.76 months PITI reserves. No reserves required |
| &nbsp;&nbsp;&nbsp;105 | 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 | No<br>UCDP<br>provided.<br>Clayton<br>to order<br>Desk<br>Review. | 11/11/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/11/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 176 months credit history exceeds guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 8 months reserves exceeds guidelines. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;107 | 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>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 11/12/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 14 years at current job<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: B1- bonus income not used to qualify<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 fico score Minimum FICO is 620 |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | XXXXXX NJ | 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 is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 11/12/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 14 years at current job<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: B1- bonus income not used to qualify<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 fico score Minimum FICO is 620 |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;111 | 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 UCDP<br>provided.<br>Clayton to order<br>Desk Review. | 11/12/2025:<br>Received CDA<br>supporting value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 799 fico score Minimum FICO is 620 |
| &nbsp;&nbsp;&nbsp;112 | XXXXXX | XXXXXX | CA | 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 Freddie Mac<br>UCDP is in file.<br>Clayton to order<br>Desk Review. | 11/12/2025:<br>Received CDA<br>supporting value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 724 > 104 points of minimum guideline requirements of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 73.95% LTV for Subject Property is below guideline max LTV of 80%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower1 has significant time at current job, 19 years and 2 months. |
| &nbsp;&nbsp;&nbsp;118 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | 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 | 1. Missing copy<br>of executed<br>settlement for<br>2nd lien.<br>Documentation<br>to support loan<br>amount of<br>$80,000 used to<br>qualify.2.<br>Missing copy of<br>executed note<br>for 2nd lien.<br>Documentation<br>to support loan<br>amount of<br>$80,000 and<br>payment of<br>$792.00 used to<br>qualify.3.<br>Missing proof<br>the following<br>debts have been<br>paid in full as<br>qualified with:<br>XXX, XXX,<br>XXX, XXX,<br>XXX, XXX/<br>XXX, and<br>XXX. If<br>included ion<br>DTI calculation<br>DTI would<br>increase to over<br>60%. 4.<br>Updated AUS<br>required to<br>correct loan<br>purpose from<br>No Cash out to<br>Cash out. Final<br>CD issued XXX<br>reflects cash to<br>borrower in<br>amount of<br>$5.005.00 which<br>exceeds $2,000<br>per guidelines.<br>LP AUS<br>recommendation<br>must remain<br>Streamlined<br>Accept. | 11/18/2025:<br>Received Note and<br>Final CD. Info<br>verified. Items #1,

#2<br>cleared.11/18/2025:<br>Received Final CD<br>for loan #XXX- all<br>debts<br>paid.11/18/2025:<br>Lender rebuttal.<br>Max cash back<br>allowed is greater<br>of $2K or 1% loan<br>amount. $5,005 is<br>max allowed. | 11/18/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 708>680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 27 years at the same company |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;118 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Right of<br>Rescission | Active B | CMPROR1909 | Incorrect<br>ROR<br>Form<br>Used —<br>H8 Form<br>Used in<br>Refinance<br>With<br>Original<br>Creditor | No | Incorrect ROR<br>form H8 used<br>on lender to<br>lender<br>refinance. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 708>680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 27 years at the same company |
| &nbsp;&nbsp;&nbsp;118 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Credit/Mtg<br>History | Satisfied C A | CRDCRMH1805 | Debts/<br>obligations<br>not<br>disclosed/<br>accounted<br>for at<br>origination | No | Missing proof<br>the following<br>debts have<br>been paid in<br>full as<br>qualified with:<br>XXX. XXX ,<br>XXX, XXX,<br>XXX, X. XXX<br>XXX , XXX/<br>XXX, and<br>XXX. If<br>included ion<br>DTI<br>calculation<br>DTI would<br>increase to<br>66.39%. | 11/18/2025:<br>Received<br>Final CD<br>for loan

#XXX- all<br>debts paid. | 11/18/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 708>680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 27 years at the same company |
| &nbsp;&nbsp;&nbsp;118 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Legal<br>Documents | Satisfied D A | CRDLGL137 | Missing<br>copy of<br>2nd lien<br>Note<br>(subject is<br>1st lien) | No | Missing copy<br>of executed<br>note for 2nd<br>lien.<br>Documentation<br>to support loan<br>amount of<br>$80,000 and<br>payment of<br>$792.00 used<br>to qualify. | 11/18/2025:<br>Received<br>Note and<br>Final CD.<br>Info<br>verified. | 11/18/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 708>680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 27 years at the same company |
| &nbsp;&nbsp;&nbsp;118 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Legal<br>Documents | Satisfied D A | CRDLGL139 | Missing<br>copy of<br>2nd lien<br>HUD-1<br>(subject is<br>1st lien) | No | Missing copy<br>of executed<br>settlement for<br>2nd lien.<br>Documentation<br>to support loan<br>amount of<br>$80,000 and<br>payment of<br>$792.00 used<br>to qualify. | 11/18/2025:<br>Received<br>Note and<br>Final CD.<br>Info<br>verified. | 11/18/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 708>680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 27 years at the same company |
| &nbsp;&nbsp;&nbsp;118 | 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 | Missing<br>Updated<br>Valuation: No<br>LCA score<br>provided.<br>Clayton to<br>order desk<br>review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 708>680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 27 years at the same company |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | 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 | Missing<br>acknowledgment<br>of CD at least 3<br>business days<br>prior to<br>consummation<br>on XXX. | 11.18.2025<br>— Initial<br>CD<br>received. | 11.18.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 717 FICO score. Minimum required 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $12,008.05 or 2.87 months of PITI.0 Required Reserves.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Prior mortgage payment history 0x30x41 exceeds guidelines |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | 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 | Missing<br>acknowledgment<br>of CD at least 3<br>business days<br>prior to<br>consummation<br>on XXX. | 11.18.2025<br>— Initial<br>CD<br>received. | 11.18.2025<br>—<br>Exception<br>satisifed (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 717 FICO score. Minimum required 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $12,008.05 or 2.87 months of PITI.0 Required Reserves.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Prior mortgage payment history 0x30x41 exceeds guidelines |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | XXXXXX | TX | 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>CU<br>score;<br>Clayton<br>to order<br>desk<br>review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 717 FICO score. Minimum required 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $12,008.05 or 2.87 months of PITI.0 Required Reserves.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Prior mortgage payment history 0x30x41 exceeds guidelines |
| &nbsp;&nbsp;&nbsp;125 | 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 | No CU/<br>LCA<br>UCDP<br>provided.<br>Clayton<br>to order<br>Desk<br>Review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 719>680<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Over ten years with current employer |
| &nbsp;&nbsp;&nbsp;126 | 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 | No<br>UCDP<br>provided.<br>Clayton<br>to order<br>Desk<br>Review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 219 months credit history exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence 2+ years.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any mortgage related occurrences in the past 24 months. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;127 | XXXXXX | XXXXXX | MN | 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<br>provided.<br>Clayton<br>to order<br>Desk<br>Review. | 11/11/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/11/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 5 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 30 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 702 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;129 | 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 | No<br>UCDP<br>provided.<br>Clayton<br>to order<br>Desk<br>Review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 124 months credit history exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence 5+ years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower demonstrates positive mortgage payment history. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;130 | XXXXXX | XXXXXX | OR | 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)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job, 9 years and 2 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 72.44% LTV below guideline requirements of 95% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 790 exceeds the guideline program minimum of 620. |
| &nbsp;&nbsp;&nbsp;130 | XXXXXX | XXXXXX | OR | 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 PIW<br>approved,<br>Clayton to<br>order BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job, 9 years and 2 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 72.44% LTV below guideline requirements of 95% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 790 exceeds the guideline program minimum of 620. |
| &nbsp;&nbsp;&nbsp;134 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Credit | Terms/<br>Guidelines | Satisfied C A | CRDTER3122 | Loan<br>documents<br>do not meet<br>guideline<br>requirements | No | Missing<br>documentation<br>that indicates<br>the Fraud<br>Victim Alert<br>on the file was<br>addressed. | 11/21/2025:<br>Received<br>verification<br>borrower<br>authorized<br>this<br>transaction. | 11/21/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been with the employer for 20 years 7 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: $345,563.01/$2,244.82 PITIA = 153.94 months reserves and the LP Findings do not require any reserves.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Benefit to borrower lowered the balance from $549,000.00 to $317,000.00 and lowered the interest rate from 6.875% to 5.75% which lowered the total PITI to $2,244.82 from $3,629.62. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;134 | XXXXXX | XXXXXX | TN | 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 | No<br>UCDP<br>was<br>found in<br>the file.<br>Clayton<br>to order<br>desk<br>review | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been with the employer for 20 years 7 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: $345,563.01/$2,244.82 PITIA = 153.94 months reserves and the LP Findings do not require any reserves.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Benefit to borrower lowered the balance from $549,000.00 to $317,000.00 and lowered the interest rate from 6.875% to 5.75% which lowered the total PITI to $2,244.82 from $3,629.62. |
| &nbsp;&nbsp;&nbsp;139 | 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 C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 median FICO. 620 minimum required.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Nine years on job |
| &nbsp;&nbsp;&nbsp;139 | 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 | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 median FICO. 620 minimum required.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Nine years on job |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | XXXXXX | FL | 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<br>UCDP<br>provided.<br>Clayton<br>to order<br>Desk<br>Review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 mid score > min required of 620<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: 0x3 x62 months (departure residence)<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer debt: 0x30 x greater than 99 months |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Credit | LTV/<br>CLTV | Active C | CRDLTV201 | LTV > 90% | Yes | File has<br>two<br>appraisals:<br>XXX with<br>$XXX<br>value and<br>XXX with<br>$XXX<br>value.<br>Lender<br>used<br>higher<br>valued<br>appraisal.<br>The first<br>appraisal<br>is required<br>as it is<br>more in<br>line with<br>subject.<br>The XXX<br>appraisal<br>have all<br>comps<br>with<br>superior<br>amenities.<br>Clayton<br>verified<br>97.10%<br>LTV.<br>Max<br>allowed<br>for a cash<br>out<br>refinance<br>is 80%. | 11/17/2025:<br>Received<br>CDA<br>supporting<br>$XXX<br>appraised<br>value. LTV<br>exceeds<br>max<br>allowed. | 11/17/2025:<br>Exception<br>remains. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 733 > 113 points of minimum guideline requirements of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 28.14% is above the minimum program requirements of 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.789% LTV for Subject Property is below guideline max LTV of 80% |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Credit | LTV/<br>CLTV | Active C | CRDLTV3028 | LTV<br>Exceeds<br>Guideline<br>Requirement<br>by 10% or<br>more | Yes | Verified<br>97.10%<br>LTV.<br>Max<br>allowed<br>80%. | 11/17/2025:<br>Received<br>CDA<br>supporting<br>$XXX<br>appraised<br>value. LTV<br>exceeds<br>max<br>allowed. | 11/17/2025:<br>Exception<br>remains. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 733 > 113 points of minimum guideline requirements of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 28.14% is above the minimum program requirements of 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.789% LTV for Subject Property is below guideline max LTV of 80% |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | XXXXXX | UT | 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>to support<br>appraised<br>value of<br>$XXX.<br>No<br>Freddie<br>Mac<br>UCDP in<br>file. \* File<br>contains<br>two<br>appraisals:<br>XXX with<br>$XXX<br>value and<br>XXX with<br>$XXX<br>value.<br>Lender<br>used<br>higher of<br>the two.\* | 11/12/2025:<br>Received CDA<br>supporting value<br>for $XXX<br>appraisal. Nothing<br>noted about lower<br>value appraisal.<br>Additional<br>clarification<br>needed.11/17/2025:<br>Received CDA<br>supporting $XXX<br>appraised value. | 11/12/2025:<br>Exception<br>remains.11/17/2025:<br>Exception satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 733 > 113 points of minimum guideline requirements of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 28.14% is above the minimum program requirements of 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.789% LTV for Subject Property is below guideline max LTV of 80% |
| &nbsp;&nbsp;&nbsp;146 | 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 | Missing<br>updated<br>valuation.<br>LCA<br>score is:<br>[report not<br>provided].<br>Clayton to<br>order desk<br>review. | 11/12/2025:<br>Received CDA<br>supporting value. | 11/12/2025:<br>Exception satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 704 fico score Minimum FICO is 620<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years in profession |
| &nbsp;&nbsp;&nbsp;599 | XXXXXX | XXXXXX | MD | 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 | 11/10/2025:<br>Received BPO<br>supporting value. | 11/10/2025:<br>Exception satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 25.08% DTI < max permitted of 45%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;599 | XXXXXX | XXXXXX | MD | 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>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 25.08% DTI < max permitted of 45%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history |
| &nbsp;&nbsp;&nbsp;150 | 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 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. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 165 months credit history exceeds guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers demonstrates good credit history.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower demonstrates positive mortgage payment history. |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | XXXXXX | PA | 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 is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 165 months credit history exceeds guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers demonstrates good credit history.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower demonstrates positive mortgage payment history. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;152 | 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<br>score is:<br>[report<br>not<br>provided].<br>Clayton<br>to order<br>desk<br>review. | 11/13/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/13/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 781 fico score Minimum FICO is 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $52496.13 or 15.44 months of PITIA reserves > min required of $0 |
| &nbsp;&nbsp;&nbsp;158 | 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 | Missing<br>UCDP.<br>Clayton<br>to order a<br>Desk<br>Review to<br>support<br>appraised<br>value. | 11/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Excellent credit history with no late pay/derog line items. 785 Median Credit Score, Oldest Trade 2/2006<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 123 consecutive months mortgage payment history exceeds 24 month guideline credit review. |
| &nbsp;&nbsp;&nbsp;160 | XXXXXX | XXXXXX | NC | 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>> 2.5.<br>Clayton<br>to order<br>desk<br>review. | 11/13/2025:<br>Received<br>CDA<br>supporting<br>value<br>within<br>tolerance (-<br>5.63%). | 11/13/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 12 yrs<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 7 yrs 5 mos<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 all tradelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying score 819 GL min 620 |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;162 | XXXXXX | XXXXXX | OH | 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)<br>Missing<br>verification<br>$2,483.00<br>payment<br>for<br>investment<br>property<br>(departure<br>residence:<br>XXX)<br>includes<br>taxes and<br>insurance.<br>(2)<br>Missing<br>verification<br>if<br>investment<br>property<br>(departure<br>residence:<br>XXX) has<br>an HOA<br>fee | 11/21/2025:<br>Received<br>mtg stmnt<br>and 1004.<br>Payment is<br>PITI and<br>there is no<br>HOA. | 11/21/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Low LTV @ 43.22%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Excellent credit history with no late pay/derog line items. 784 Median Credit Score, Oldest Trade 7/2012<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $403,063.04 or 83.30 mths of PITI $4838.94Required Reserves are $0<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Departure residence: 0x30 x84 months |
| &nbsp;&nbsp;&nbsp;162 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) 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 | (1)<br>Missing<br>verification<br>$2,483.00<br>payment<br>for<br>investment<br>property<br>(departure<br>residence:<br>XXX)<br>includes<br>taxes and<br>insurance.<br>(2)<br>Missing<br>verification<br>if<br>investment<br>property<br>(departure<br>residence:<br>XXX) has<br>an HOA<br>fee | 11/21/2025:<br>Received<br>mtg stmnt<br>and 1004.<br>Payment<br>DAis PITI<br>and there is<br>no HOA. | 11/21/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Low LTV @ 43.22%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Excellent credit history with no late pay/derog line items. 784 Median Credit Score, Oldest Trade 7/2012<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $403,063.04 or 83.30 mths of PITI $4838.94Required Reserves are $0<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Departure residence: 0x30 x84 months |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;162 | 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 | UCDP<br>not<br>provided.<br>Clayton<br>to order<br>a Desk<br>Review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Low LTV @ 43.22%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Excellent credit history with no late pay/derog line items. 784 Median Credit Score, Oldest Trade 7/2012<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $403,063.04 or 83.30 mths of PITI $4838.94Required Reserves are $0<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Departure residence: 0x30 x84 months |
| &nbsp;&nbsp;&nbsp;165 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No<br>UCDP<br>provided.<br>Clayton<br>to order<br>a Desk<br>Review<br>to<br>support<br>appraisal<br>of<br>$XXX. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 17.83yrs with current employer<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 34.92yrs with current employer<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 63 consecutive months mortgage payment history exceeds guideline 24 month credit review<br>CFCFS2860: Good credit history<br> - Clayton Comments: Excellent credit history with no late pay/derog line items. 717 Median Credit Score, Oldest Trade 10/2009 |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;166 | 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<br>provided.<br>Clayton<br>to order<br>Desk<br>Review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 357 months credit history exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence 11+ years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower demonstrates positive mortgage payment history. |
| &nbsp;&nbsp;&nbsp;167 | XXXXXX | XXXXXX | OK | 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<br>to order<br>BPO. | 11/12/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50% LTV for Subject Property is below guideline max LTV of 95%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 38.88% is above the minimum program requirements of 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 782 > 162 points of minimum guideline requirements of 620. |
| &nbsp;&nbsp;&nbsp;167 | XXXXXX | XXXXXX | OK | 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 is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 11/12/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50% LTV for Subject Property is below guideline max LTV of 95%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 38.88% is above the minimum program requirements of 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 782 > 162 points of minimum guideline requirements of 620. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;170 | XXXXXX | XXXXXX | WA | 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)/AW | No | Loan is<br>approved<br>PIW. Clayton<br>to order BPO. | 11/12/2025:<br>Received BPO<br>supporting value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Low LTV 54%<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score 702 exceeds GL 620 |
| &nbsp;&nbsp;&nbsp;170 | XXXXXX | XXXXXX | WA | 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. | 11/12/2025:<br>Received BPO<br>supporting value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Low LTV 54%<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score 702 exceeds GL 620 |
| &nbsp;&nbsp;&nbsp;171 | XXXXXX | XXXXXX | TX | 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 A | CMPTRID3626 | TRID — CD:<br>Loan<br>consummated<br>before end of<br>waiting<br>period | No | First CD date<br>XXX — final<br>CD dated<br>XXX Please<br>provide<br>evidence that<br>borrower<br>acknowledged<br>receipt of CD<br>XXX 3 days<br>prior of<br>consummated<br>date . Or<br>provide a CD<br>delivered to<br>the borrower<br>before XXX<br>and<br>acknowledged<br>3 days prior<br>to XXX | 11.18.2025 —<br>Evidence of CD<br>received XXX<br>however still<br>missing<br>acknolegment of<br>CD at least 3<br>days prior to<br>consummation<br>on<br>XXX.11.24.2025<br>— Initial CD<br>received. | 11.18.2025 -<br>Exception<br>remains11.24.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 7.3 years at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 8.3 at current residence. |
| &nbsp;&nbsp;&nbsp;171 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) 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 | 11/12/2025:<br>Received BPO<br>supporting value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 7.3 years at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 8.3 at current residence. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;171 | XXXXXX | XXXXXX | TX | 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 | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 11/12/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 7.3 years at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 8.3 at current residence. |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX | MA | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D C 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 and<br>render an<br>accurate<br>ATR/QM<br>status. | Yes | Missing<br>proof the<br>XXX<br>account

#XXX<br>payment is<br>$80.09.<br>Credit<br>report<br>shows a<br>payment<br>of $340.<br>With<br>payment<br>of $340<br>DTI 48%.<br>LP<br>submission

#2 with<br>the DTI of<br>48% was<br>ineligible. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $107,997.67 or 40.14 months PITI reserves. No reserves required<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession for 11 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 757. Minimum required 620 |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX | MA | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D C | Credit | Credit/<br>Mtg<br>History | Active C | CRDCRMH1805 | Debts/<br>obligations<br>not<br>disclosed/<br>accounted<br>for at<br>origination | Yes | Missing<br>proof the<br>XXX<br>account

#XXX<br>payment is<br>$80.09.<br>Credit<br>report<br>shows a<br>payment<br>of $340.<br>With<br>payment<br>of $340<br>DTI 48%.<br>LP<br>submission

#2 with<br>the DTI of<br>48% was<br>ineligible. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $107,997.67 or 40.14 months PITI reserves. No reserves required<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession for 11 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 757. Minimum required 620 |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX | MA | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D C 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. | 11/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $107,997.67 or 40.14 months PITI reserves. No reserves required<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession for 11 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 757. Minimum required 620 |
| &nbsp;&nbsp;&nbsp;175 | 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 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<br>orderBPO | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 257 months credit history exceeds guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence 2+ years. |
| &nbsp;&nbsp;&nbsp;175 | XXXXXX | XXXXXX | OH | 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 is<br>approved.<br>PIW.<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 257 months credit history exceeds guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence 2+ years. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;179 | 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<br>score is:<br>N/A<br>(report<br>not<br>provided).<br>Clayton<br>to order<br>desk<br>review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $12,285.97 (5.43 months PITIA reserves) > min required reserves of $0.00<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 774 mid score > min required of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer debt: 0x30 x96 months (total credit history) |
| &nbsp;&nbsp;&nbsp;180 | 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 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 | 11/10/2025:<br>received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 10 years and 1 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 770 > 150 points of minimum guideline requirements of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 23.33% DTI < max permitted of 45% |
| &nbsp;&nbsp;&nbsp;180 | XXXXXX | XXXXXX | CO | 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 is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 10 years and 1 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 770 > 150 points of minimum guideline requirements of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 23.33% DTI < max permitted of 45% |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;183 | 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 | CU score is:<br>Not Provided.<br>Clayton to<br>order desk<br>review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 786 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.52% is below the guideline maximum of 45%. |
| &nbsp;&nbsp;&nbsp;185 | 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 | No UCDP<br>provided.<br>Clayton to<br>order desk<br>review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 713. Minimum required 713<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Calculated DTI 43.25%. Max 45% |
| &nbsp;&nbsp;&nbsp;186 | 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 | [UCDP report<br>not provided].<br>Clayton to<br>order desk<br>review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Consumer debt: 0x30 x greater than 99 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $335,698.86 (89.04 months PITIA reserves) > min required reserves of $0.00 |
| &nbsp;&nbsp;&nbsp;187 | XXXXXX | XXXXXX | OR | 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 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>for the lender<br>credit in the<br>amount of<br>$973.75 was<br>removed from<br>CD XXX.<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. | 11.24.2025<br>-COC<br>provided | 11.24.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 770 > is above guideline minimum credit score 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 25.77% is 19.23 points below the program guideline maximum 45%. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;187 | XXXXXX | XXXXXX | OR | 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>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance (-<br>1.27). | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 770 > is above guideline minimum credit score 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 25.77% is 19.23 points below the program guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;187 | XXXXXX | XXXXXX | OR | 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>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance (-<br>1.27). | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 770 > is above guideline minimum credit score 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 25.77% is 19.23 points below the program guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;190 | 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 (or<br>CU)<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 11/13/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/13/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Demonstrates Good Credit History<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 35+ Months reporting 0 x 30<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9+ Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 15+ Years in Profession and 14.92 Years with Current Employer |
| &nbsp;&nbsp;&nbsp;600 | XXXXXX | XXXXXX | TN | 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<br>UCDP<br>provided.<br>Clayton<br>to order<br>Desk<br>Review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence 5+ years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 9+ months reserves exceeds guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;192 | XXXXXX | XXXXXX | WA | 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 subject<br>to Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is<br>missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate<br>ATR/QM<br>status. | No | Missing<br>evidence of<br>insurance in<br>effect at time<br>of<br>disbursement<br>XXX.<br>Evidence of<br>hazard in file<br>has an<br>effective<br>date of<br>9/17/2025.<br>Evidence of<br>insurance to<br>support<br>expense<br>$134.09 per<br>month used<br>to qualify. | 11/18/2025:<br>Received<br>HOI<br>effective<br>XXX,<br>$1,609<br>premium. | 11/18/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 fico score Minimum FICO is 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $325,423.54 or 77 months of P&I |
| &nbsp;&nbsp;&nbsp;192 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA —<br>List of<br>homeowners<br>counseling<br>organizations<br>not in file | No | RESPA —<br>Missing List<br>of<br>homeowners<br>counseling<br>organizations | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 fico score Minimum FICO is 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $325,423.54 or 77 months of P&I |
| &nbsp;&nbsp;&nbsp;192 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance<br>Effective<br>date is<br>greater than<br>the<br>transaction<br>date | No | Missing<br>evidence of<br>insurance in<br>effect at time<br>of<br>disbursement<br>XXX.<br>Evidence of<br>hazard in file<br>has an<br>effective<br>date of<br>9/17/2025.<br>Evidence of<br>insurance to<br>support<br>expense<br>$134.09 per<br>month used<br>to qualify. | 11/18/2025:<br>Received<br>HOI<br>effective<br>XXX,<br>$1,609<br>premium. | 11/18/2025:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 fico score Minimum FICO is 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $325,423.54 or 77 months of P&I |
| &nbsp;&nbsp;&nbsp;192 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | 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. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 fico score Minimum FICO is 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $325,423.54 or 77 months of P&I |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;197 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C 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 | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 7 years and 11 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 768 > 166 points of minimum guideline requirements of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 95% |
| &nbsp;&nbsp;&nbsp;197 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B A | Credit | Terms/<br>Guidelines | Active C | CRDTER3262 | Property<br>issues<br>indicated | Yes | Subject is<br>submitted as<br>an SFR. DU<br>shows<br>detached. The<br>Title shows<br>CC&Rs<br>recorded<br>4/1989 and<br>1008 shows<br>$38 HOA.<br>Provide<br>verification<br>of property<br>type.<br>Additional<br>conditions<br>may apply<br>including<br>providing a<br>PUD Rider<br>and re-<br>recording of<br>DOT & AUS<br>to be<br>corrected. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 7 years and 11 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 768 > 166 points of minimum guideline requirements of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 95% |
| &nbsp;&nbsp;&nbsp;197 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D 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. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance (-<br>6.88%). | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 7 years and 11 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 768 > 166 points of minimum guideline requirements of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 95% |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;197 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance (-<br>6.88%). | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 7 years and 11 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 768 > 166 points of minimum guideline requirements of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 95% |
| &nbsp;&nbsp;&nbsp;198 | 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<br>score is<br>N/A.<br>Clayton<br>to order<br>desk<br>review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 30%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 13 years at current job |
| &nbsp;&nbsp;&nbsp;203 | 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 C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 730 qualifying score exceeds guideline minimum of 620<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower 1 has had stable employment with current employer for the past 3 years and in profession for the past 11 years. |
| &nbsp;&nbsp;&nbsp;203 | XXXXXX | XXXXXX | PA | 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 is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 730 qualifying score exceeds guideline minimum of 620<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower 1 has had stable employment with current employer for the past 3 years and in profession for the past 11 years. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;205 | XXXXXX | XXXXXX | WA | 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>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance (-<br>4.76%). | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 79.68/ maximum is 90%<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: positive mortgage history with no lates or derogatory events.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 40.10%/ Maximum is 50% |
| &nbsp;&nbsp;&nbsp;205 | XXXXXX | XXXXXX | WA | 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.<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance (-<br>4.76%). | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 79.68/ maximum is 90%<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: positive mortgage history with no lates or derogatory events.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 40.10%/ Maximum is 50% |
| &nbsp;&nbsp;&nbsp;208 | XXXXXX | XXXXXX | WA | 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<br>UCDP<br>provided.<br>Clayton<br>to order<br>Desk<br>Review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 802. Minimum required 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80%. Max 95%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $10,605.59 or 3.4 months PITI reserves. No reserves required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Calculated DTI 37.15. Max 45% |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;210 | 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<br>to order<br>BPO. | 11.11.2025<br>BPO<br>received,<br>value<br>supported. | 11.11.2025<br>Exception<br>Satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 359 months credit history exceeds guidelines.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no major mortgage related occurrences in the last 24 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38% DTI below guideline requirement. |
| &nbsp;&nbsp;&nbsp;210 | XXXXXX | XXXXXX NJ | 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 is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 11.11.2025<br>BPO<br>received<br>value<br>supported. | 11.11.2025<br>Exception<br>Satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 359 months credit history exceeds guidelines.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no major mortgage related occurrences in the last 24 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38% DTI below guideline requirement. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 74.75%. Max 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 728. Minimum required 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.97%. Max 45%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $57,265.97 or 13.88 months PITI reserves. No reserves required<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession for 14 years |
| &nbsp;&nbsp;&nbsp;215 | 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 | No<br>UCDP<br>provided.<br>Clayton<br>to order<br>Desk<br>Review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 774. Minimum required score 620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been at the current job for 7 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Calculated DTI 12.82%. Max 45% |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;217 | 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 | Missing<br>UCDP<br>for LCA<br>score.<br>Clayton<br>to order<br>desk<br>review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 777 exceeds min score requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 25.39% is below max DTI of 45%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $639,702.67 or 132.23 months of PITI. No reserves required. |
| &nbsp;&nbsp;&nbsp;601 | 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 | LCA<br>score not<br>provided<br>(UCDP<br>report not<br>included<br>for<br>review).<br>Clayton<br>to order<br>desk<br>review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 773 is 153 points above program guideline minimum of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.85% DTI is below guideline requirement of 45.00%. |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | XXXXXX | NC | 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<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 763 > is above guideline minimum credit score 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 35.80% is 9.2 points below the program guideline maximum 45%. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | XXXXXX | NC | 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>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 763 > is above guideline minimum credit score 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 35.80% is 9.2 points below the program guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;226 | 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 | PIW<br>Approved<br>Loan.<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance (-<br>9.36%). | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score of 793 is 173 points above minimum program requirement of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has cash reserves of $202187.95<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.48% is below the guidelines minimum of 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 78.48%; guidelines allow 80% |
| &nbsp;&nbsp;&nbsp;226 | 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 | PIW<br>Approved<br>Loan.<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance (-<br>9.36%). | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score of 793 is 173 points above minimum program requirement of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has cash reserves of $202187.95<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.48% is below the guidelines minimum of 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 78.48%; guidelines allow 80% |

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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 Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;228 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 795 FICO score. Minimum required 620.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. |
| &nbsp;&nbsp;&nbsp;230 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same line of work for 11 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $129,396.97 or 18.28 months PITINo reserves required per DU.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 789 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 6.6% |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified median FICO 750. Minimum required 620.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0X30 Mortgage history reporting over 24 months |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;239 | XXXXXX | XXXXXX | CA | 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>not<br>assessed<br>due to<br>property<br>type.<br>Clayton to<br>order desk<br>review | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 26%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 56% |
| &nbsp;&nbsp;&nbsp;242 | XXXXXX | XXXXXX | CT | 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 | Provide<br>updated<br>AUS to<br>correct<br>occupancy<br>from<br>Primary to<br>2nd<br>Home.<br>Final<br>1003<br>disclosed<br>subject to<br>be second<br>home and<br>Mortgage<br>has 2nd<br>Home<br>Rider.<br>Additional<br>exceptions<br>may<br>apply. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 813 > 193 points of minimum guideline requirements of 620.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 12 years and 7 months. |
| &nbsp;&nbsp;&nbsp;242 | XXXXXX | XXXXXX | CT | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D | Credit | Terms/<br>Guidelines | Active D | CRDTER2548 | Missing<br>AUS or<br>AUS<br>errors<br>present | Yes | Provide<br>updated<br>AUS to<br>correct<br>occupancy<br>from<br>Primary to<br>2nd<br>Home.<br>Final<br>1003<br>disclosed<br>subject to<br>be second<br>home and<br>Mortgage<br>has 2nd<br>Home<br>Rider.<br>Additional<br>exceptions<br>may<br>apply. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 813 > 193 points of minimum guideline requirements of 620.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 12 years and 7 months. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;244 | XXXXXX | XXXXXX IA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Compliance<br>Manual | Active D | CMPMAN2956 | Missing<br>disclosure | Yes | Per<br>Disclosure<br>Tracking<br>Summary<br>and<br>Disclosure<br>Details<br>Revised<br>CD's<br>dated<br>XXX and<br>XXX was<br>sent to<br>borrower,<br>revised<br>CD's is<br>missing<br>from file.<br>Please<br>provide<br>along with<br>tracking<br>info and<br>COC if<br>applicable. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score is 620; representative score 753<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%; calculated DTI is 38% |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 738 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.12% max per guidelines is 45%. |
| &nbsp;&nbsp;&nbsp;246 | XXXXXX | XXXXXX IL | 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. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance (-<br>7.04%). | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 277+ Months reporting 0 x 30<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 19 years 6 months at current Primary |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;246 | 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 | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance (-<br>7.04%). | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 277+ Months reporting 0 x 30<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 19 years 6 months at current Primary |
| &nbsp;&nbsp;&nbsp;248 | 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)/AW | No | Loan is<br>PIW<br>approved<br>loan.<br>Clayton to<br>order BPO | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: reserves of $841,531.70 > min. required of $0.00<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 807 is 187 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;248 | 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 | Loan is<br>PIW<br>approved<br>loan.<br>Clayton to<br>order BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: reserves of $841,531.70 > min. required of $0.00<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 807 is 187 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;249 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or<br>incomplete<br>documentation<br>related to<br>citizenship/<br>residency | No | EAD card<br>is on page<br>942 of<br>PDF<br>expired<br>1/26/2025.<br>Provide<br>verification<br>of renewal<br>application<br>file to<br>allow auto<br>extension<br>of 36<br>months. | 11/18/2025:<br>Received<br>EAD I-797<br>showing<br>new<br>expiration<br>of<br>9/16/2029. | 11/18/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 5+ Years in current Profession<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0 x 30 reporting for 56+ Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $94,044.69 (32.87 months PITIA reserves) > min required reserves of $0.00 |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;250 | XXXXXX | XXXXXX | WA | 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-<br>paid fees<br>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 | CFCFS2860: Good credit history<br> - Clayton Comments: Very Good Credit History<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 18+ Months 0 x 30 reporting |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | XXXXXX | WA | 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. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 751 FICO exceeds minimum 620<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 in 46 months |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | XXXXXX | WA | 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 PIW<br>approved,<br>Clayton to<br>order BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 751 FICO exceeds minimum 620<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 in 46 months |
| &nbsp;&nbsp;&nbsp;257 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 6 years in profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 737 fico score Minimum FICO is 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $121343.72 or 23.14 months of P&I |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | XXXXXX | MO | 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 | Please<br>Provide<br>Affiliated<br>Business<br>Disclosure. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job,11 years and 4 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 774 > 154 points of minimum guideline requirements of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 26.28% < max permitted of 45%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $243,230.77 (63.16 months PITIA reserves) > min required reserves of $1,125.00 |
| &nbsp;&nbsp;&nbsp;259 | 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 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 | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 788. Minimum required 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $315,271.52 or 107.37 months PITI reserves. No Reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Calculated DTI 39.44%. Max 45% |
| &nbsp;&nbsp;&nbsp;259 | XXXXXX | XXXXXX | VA | 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 is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 788. Minimum required 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $315,271.52 or 107.37 months PITI reserves. No Reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Calculated DTI 39.44%. Max 45% |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;263 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA —<br>Loan subject<br>to Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>lender QM<br>determination. | 11/25/2025:<br>Received Safe<br>Harbor<br>determination. | 11/25/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 63.66%/ maximum is 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score is 739/ minimum is 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history with no derogatory credit events |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | XXXXXX | AZ | 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 AUS<br>or AUS errors<br>present | No | Lender 1008<br>shows DU

#XXX used<br>for AUS. File<br>has LP #11<br>LP Key

#XXX run<br>XXX in the<br>file. Provide<br>verification<br>which AUS<br>was used for<br>this loan.<br>Additional<br>exceptions<br>may apply. | 11/25/2025:<br>Received<br>1008 showing<br>LP used. | 11/25/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 712 is 92 points above program minimum requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 44.52% is > guidelines requirements of 45%. |
| &nbsp;&nbsp;&nbsp;264 | 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 returned<br>no score. CU<br>score is 2.9.<br>Clayton to<br>order Desk<br>Review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 712 is 92 points above program minimum requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 44.52% is > guidelines requirements of 45%. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;267 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A B | 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 3.8 | 11/12/2025:<br>Received<br>CDA not<br>supporting<br>value (-<br>12.32%). | 11/12/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 3years and 1 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 720 > 100 points of minimum guideline requirements of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 72.946% LTV for Subject Property is below guideline max LTV of 95%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 42.77% is above the minimum program requirements of 45% |
| &nbsp;&nbsp;&nbsp;267 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A B | Property<br>Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property<br>Value Not<br>Supported | No | 11/12/2025:<br>Exception<br>added after<br>review of<br>trailing<br>docs:<br>Received<br>CDA not<br>supporting<br>value (-<br>12.32%).<br>Clayton to<br>order Field<br>Review. | 11/17/2025:<br>Received<br>Field<br>Review<br>supporting<br>value<br>within<br>tolerance (-<br>5.41%). | 11/17/2025:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 3years and 1 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 720 > 100 points of minimum guideline requirements of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 72.946% LTV for Subject Property is below guideline max LTV of 95%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 42.77% is above the minimum program requirements of 45% |
| &nbsp;&nbsp;&nbsp;268 | XXXXXX | XXXXXX FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3970 | TRID —<br>CD: The<br>Partial<br>Payments<br>section of<br>the Loan<br>Disclosures<br>section has<br>all three<br>options<br>selected, no<br>options<br>selected, or<br>an improper<br>combination<br>of<br>selections. | No | CD's dated<br>XXX and<br>XXX- Loan<br>Disclosures-<br>Partial<br>Payments-<br>no option<br>has been<br>selected. | 12.3.2025<br>— LOX<br>and PCCD<br>received. | 12.3.2025 -<br>Exception<br>satisfied | Non-Numeric | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 20 years in current profession<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;271 | XXXXXX | XXXXXX | TX | 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 D A | CMPATRQM3220 | TILA —<br>Loan subject<br>to 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 | ATR/QM<br>status pending<br>for:<br>Clarification<br>of monthly<br>tax payment.<br>Amt. used for<br>qualifying<br>$1,699.67/mo.<br>1st. payment<br>letter, final<br>CD, and tax<br>information<br>sheet show<br>monthly taxes<br>of $363.22. | 11/19/2025:<br>Received<br>verification<br>$4,358.63<br>taxes.<br>Higher<br>amount was<br>used to<br>qualify<br>loan. | 11/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 FICO score exceeds minimum FICO requirements by 167 points<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for 9 years<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: No lates listed for prior mortgage |
| &nbsp;&nbsp;&nbsp;271 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Terms/<br>Guidelines | Satisfied C A | CRDTER3122 | Loan<br>documents<br>do not meet<br>guideline<br>requirements | No | Discrepancy<br>with subject<br>monthly tax<br>payment.<br>Final DU run<br>using<br>$1,699.67/mo<br>based on<br>taxes noted on<br>Appraisal.<br>Final payment<br>letter shows<br>$363.22/mo.<br>Tax<br>information<br>sheet shows<br>$4,358.62/12<br>=<br>$363.22/mo.<br>Final CD<br>provided<br>dated XXX<br>shows taxes<br>$363.22/mo.<br>Provide<br>clarification<br>of monthly<br>tax payment.<br>Provide<br>updated DU<br>run if<br>incorrect. | 11/19/2025:<br>Received<br>verification<br>$4,358.63<br>taxes.<br>Higher<br>amount was<br>used to<br>qualify<br>loan. | 11/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 FICO score exceeds minimum FICO requirements by 167 points<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for 9 years<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: No lates listed for prior mortgage |
| &nbsp;&nbsp;&nbsp;275 | XXXXXX | XXXXXX | MN | 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>3.0. Clayton<br>to order Desk<br>Review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: b2 — 7 years in profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 fico score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $58982.31 or 13.44 months of P&I |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;278 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 13 yrs+ B2 12 yrs+<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10 yrs 2 mos<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 5 yrs 2 mos<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 yrs 10 mos |
| &nbsp;&nbsp;&nbsp;278 | XXXXXX | XXXXXX | VA | 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 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 | Please provide<br>evidence that<br>borrower<br>acknowledged<br>receipt of CD<br>3 days prior to<br>consummation<br>date of XXX | 11.21.2025<br>— Initial<br>CD<br>tracking<br>received. | 11.21.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 13 yrs+ B2 12 yrs+<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10 yrs 2 mos<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 5 yrs 2 mos<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 yrs 10 mos |
| &nbsp;&nbsp;&nbsp;278 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | 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 | Please provide<br>evidence that<br>borrower<br>acknowledged<br>receipt of CD<br>3 days prior to<br>consummation<br>date of XXX | 11.21.2025<br>— Initial<br>CD<br>tracking<br>received. | 11.21.2025<br>—<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 13 yrs+ B2 12 yrs+<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10 yrs 2 mos<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 5 yrs 2 mos<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 yrs 10 mos |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;278 | XXXXXX | XXXXXX | VA | 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 | LCA<br>Score<br>3.0.<br>Clayton<br>to order<br>Desk<br>Review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 13 yrs+ B2 12 yrs+<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10 yrs 2 mos<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 5 yrs 2 mos<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 yrs 10 mos |
| &nbsp;&nbsp;&nbsp;281 | 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 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. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 793 exceeds minimum 620<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 payment history over 24 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80% below max of 95% purchase |
| &nbsp;&nbsp;&nbsp;281 | XXXXXX | XXXXXX | VA | 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 is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 793 exceeds minimum 620<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 payment history over 24 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80% below max of 95% purchase |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;282 | XXXXXX | XXXXXX | CA | 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<br>score.<br>Clayton<br>to order<br>Desk<br>Review. | 11/13/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/13/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 8 yrs 7 mos<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $355,781.77 (104.55 months PITIA reserves) > min required reserves of $0.00<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 772 exceeds GL min 620 |
| &nbsp;&nbsp;&nbsp;283 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $$102,741.44 or 93.27 months of PITI. Required PITI required $0.00.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has no history of late payments.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV per Findings 97%, current LTV 80%. |
| &nbsp;&nbsp;&nbsp;284 | XXXXXX | XXXXXX | OK | 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 ><br>2.5.<br>Clayton<br>to order<br>desk<br>review | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 706 > min. requirement of 620<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 19.6 years current job time |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;286 | XXXXXX | XXXXXX IA | 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 subject<br>to Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is<br>missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate<br>ATR/QM<br>status. | No | Missing<br>HUD/CD<br>from sale of<br>XXX No<br>minimum<br>amount of<br>proceeds to<br>seller<br>required. | 11/18/2025:<br>Received<br>LOX. REO<br>not sold. | 11/18/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.44%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 804 > 184 points of minimum guideline requirements of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $44,170.78 (13.36 months PITIA reserves) > min required reserves of $0.00 |
| &nbsp;&nbsp;&nbsp;286 | XXXXXX | XXXXXX IA | 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 | Only CD in<br>file issued<br>XXX and<br>signed XXX<br>date if<br>confirmation.<br>Per mailbox<br>rule earliest<br>transaction<br>date is XXX.<br>Loan closed<br>XXX. Please<br>provide initial<br>CD dated 3<br>days prior to<br>consummation<br>date. | 11.21.2025<br>— Initial<br>CD<br>received. | 11.21.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.44%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 804 > 184 points of minimum guideline requirements of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $44,170.78 (13.36 months PITIA reserves) > min required reserves of $0.00 |
| &nbsp;&nbsp;&nbsp;286 | XXXXXX | XXXXXX IA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | 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 | Only CD in<br>file issued<br>XXX and<br>signed XXX<br>date if<br>confirmation.<br>Per mailbox<br>rule earliest<br>transaction<br>date is XXX.<br>Loan closed<br>XXX. Please<br>provide initial<br>CD dated 3<br>days prior to<br>consummation<br>date. | 11.21.2025<br>-Initial CD<br>received. | 11.21.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.44%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 804 > 184 points of minimum guideline requirements of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $44,170.78 (13.36 months PITIA reserves) > min required reserves of $0.00 |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;286 | XXXXXX | XXXXXX IA | 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 | Hazard Dec<br>Page in file has<br>effective date<br>of XXX and<br>Loan Closed<br>on XXX and<br>Disbursed on<br>XXX. Missing<br>prior years<br>HOI<br>Statement. | 11/25/2025:<br>Received<br>HOI XXX-<br>XXX dec<br>page. | 11/25/2025:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.44%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 804 > 184 points of minimum guideline requirements of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $44,170.78 (13.36 months PITIA reserves) > min required reserves of $0.00 |
| &nbsp;&nbsp;&nbsp;286 | XXXXXX | XXXXXX IA | 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 from<br>sale of<br>property | No | Missing HUD/<br>CD from sale<br>of XXX No<br>minimum<br>amount of<br>proceeds to<br>seller required. | 11/18/2025:<br>Received<br>LOX. REO<br>not sold. | 11/18/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.44%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 804 > 184 points of minimum guideline requirements of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $44,170.78 (13.36 months PITIA reserves) > min required reserves of $0.00 |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B | 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<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 | Yes | Zero percent<br>tolerance of<br>$384.95 due to<br>HOA condo<br>cert and EOI<br>on XXX-2<br>with invalid<br>reason in file.<br>Provide COC<br>PCCD with<br>cure, copy of<br>cure check,<br>LOE to<br>Borrower and<br>evidence of<br>delivery via<br>method<br>including<br>tracking<br>information<br>within 60 days<br>of<br>consummation.<br>COC in file is<br>dated for<br>8.6.2025 for<br>the Condo<br>ceryt and EOI<br>direct which is<br>not timely of<br>the changes<br>added on LE<br>XXX-2. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $202,990.50 or 35.71 months PITI reserves. No reserves required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75%. Max 95%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 790. Minimum required 620. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;287 | 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 A | CMPTRID5293 | TRID Not<br>all<br>required<br>seller-<br>paid fees<br>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<br> - Clayton Comments: Post Closing assets $202,990.50 or 35.71 months PITI reserves. No reserves required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75%. Max 95%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 790. Minimum required 620. |
| &nbsp;&nbsp;&nbsp;287 | 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)/<br>AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $202,990.50 or 35.71 months PITI reserves. No reserves required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75%. Max 95%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 790. Minimum required 620. |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $202,990.50 or 35.71 months PITI reserves. No reserves required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75%. Max 95%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 790. Minimum required 620. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;289 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR275 | Completed<br>"Subject<br>To" w/o<br>Completion<br>Cert in File | No | Missing<br>Completion<br>report. | 11/10/2025:<br>Received<br>1004D<br>completed<br>10/15/2025. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $186,783.27 (61.95 months PITIA reserves) > Min required reserves are not required for this loan.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 732 is 112 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.58% is below the guideline minimum of 49.16%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 34 months. |
| &nbsp;&nbsp;&nbsp;291 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) 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>completion<br>report. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 807 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $474,800.64/151.87mo PITIA which is > guideline minimum. |
| &nbsp;&nbsp;&nbsp;293 | XXXXXX | XXXXXX | TX | 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<br>approved<br>with PIW.<br>Clayton to<br>order BPO. | 11/13/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance (-<br>3.25%). | 11/13/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 current mtg opened 6.2021<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 5 yrs<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $344,768.72 = 111.58 mos PITIA > min required reserves $0<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 753 mid score > min required of 620 |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;293 | 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 | Loan<br>approved<br>with PIW.<br>Clayton to<br>order<br>BPO. | 11/13/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance (-<br>3.25%). | 11/13/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 current mtg opened 6.2021<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 5 yrs<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $344,768.72 = 111.58 mos PITIA > min required reserves $0<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 753 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | CA | 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 | Affiliate<br>Business<br>Disclosure<br>missing | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 229+ Months reporting 0 x30<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX 15+ Years |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | CA | 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 | LCA<br>returned<br>no score.<br>Clayton to<br>order<br>Desk<br>Review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 229+ Months reporting 0 x30<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX 15+ Years |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;299 | XXXXXX | XXXXXX | VA | 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 | Missing<br>Affiliate<br>Business<br>Disclosure. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score 780 exceeds GL 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 all accounts<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 yrs |
| &nbsp;&nbsp;&nbsp;300 | 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 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. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value with<br>tolerance (-<br>4.76%). | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 743 is 123 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.30% is below the guideline minimum of 45%. |
| &nbsp;&nbsp;&nbsp;300 | XXXXXX | XXXXXX | CA | 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 is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value with<br>tolerance (-<br>4.76%). | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 743 is 123 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.30% is below the guideline minimum of 45%. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;302 | XXXXXX | XXXXXX | KY | 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 | Only CD in<br>file issued<br>XXX and<br>Signed XXX.<br>Per mailbox<br>rule earliest<br>transaction<br>date is XXX.<br>Loan closed<br>XXX. Please<br>provide initial<br>CD dated 3<br>days prior to<br>consummation<br>date. | 11.18.2025<br>— Initial<br>CD<br>received. | 11.18.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 30 yrs<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 34 yrs 2 mos<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 40 yrs<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $145,389.89 (47.73 months PITIA reserves) > min required of $0.00 |
| &nbsp;&nbsp;&nbsp;302 | XXXXXX | XXXXXX | KY | 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 | Only CD in<br>file issued<br>XXX and<br>Signed XXX.<br>Per mailbox<br>rule earliest<br>transaction<br>date is XXX.<br>Loan closed<br>XXX. Please<br>provide initial<br>CD dated 3<br>days prior to<br>consummation<br>date. | 11.18.2025<br>— Initial<br>CD<br>received. | 11.18.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 30 yrs<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 34 yrs 2 mos<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 40 yrs<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $145,389.89 (47.73 months PITIA reserves) > min required of $0.00 |
| &nbsp;&nbsp;&nbsp;302 | XXXXXX | XXXXXX | KY | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied D A | CMPTRID4579 | TRID — CD:<br>Missing<br>Initial CD | No | Only CD in<br>file issued<br>XXX and<br>Signed XXX.<br>Per mailbox<br>rule earliest<br>transaction<br>date is XXX.<br>Loan closed<br>XXX. Please<br>provide initial<br>CD dated 3<br>days prior to<br>consummation<br>date. | 11.18.2025<br>— Initial<br>CD<br>received. | 11.18.2025<br>—<br>Exception<br>satisifed (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 30 yrs<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 34 yrs 2 mos<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 40 yrs<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $145,389.89 (47.73 months PITIA reserves) > min required of $0.00 |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;303 | XXXXXX | XXXXXX | IL | 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 | Missing<br>required<br>Affiliated<br>Business<br>Disclosure. | (No Data) | (No Data) | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 812 FICO score. Minimum required 620.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has retained stable employment with present employer for 12 years. |
| &nbsp;&nbsp;&nbsp;303 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B 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 Seller<br>CD but not<br>Borrower final<br>CD. As the<br>fees are at least<br>reflected there<br>is no material<br>issue. This<br>exception is<br>informational<br>per Clayton<br>Compliance<br>department<br>and TRID 2.0<br>revisions.<br>Exception<br>satisfied. Final<br>Grade A. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 812 FICO score. Minimum required 620.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has retained stable employment with present employer for 12 years. |
| &nbsp;&nbsp;&nbsp;311 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80%. Max 95%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 762. Minimum required 620 |
| &nbsp;&nbsp;&nbsp;313 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D 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<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 | Yes | Zero Tolerance<br>overage of $5.00 due to<br>added<br>additional<br>flood cert fee<br>of $5.00 not<br>addressed on<br>any COC in<br>file. Provide<br>COC orLetter<br>of explanation,<br>corrected<br>Closing<br>Disclosure,<br>refund, proof<br>of delivery<br>within 60 days<br>of<br>consummation. | 12.3.2025 —<br>COC provided<br>for loan being<br>locked howere<br>that is not<br>sufficient<br>reason for the<br>additional $5<br>Flood cert.<br>provide<br>internal<br>documentation<br>stating reason<br>for additional<br>flood cert<br>being<br>required. If no<br>COC can be<br>provided a<br>Letter of<br>explanation,<br>corrected<br>Closing<br>Disclosure,<br>refund for $5,<br>proof of<br>delivery<br>within 60 days<br>of<br>consummation<br>is required. | 12.3.2025<br>-<br>Exception<br>remains | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 783 is 163 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 21.89% is below the guideline minimum of 45% |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;313 | XXXXXX | XXXXXX ID | 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 | CU Score<br>2.8.<br>Clayton<br>to order<br>Desk<br>Review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 783 is 163 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 21.89% is below the guideline minimum of 45% |
| &nbsp;&nbsp;&nbsp;315 | XXXXXX | XXXXXX FL | 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<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 759 > 139 points of minimum guideline requirements of 620.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current residence for the past 21 years and 0 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower1 has significant time at current job, 8 years and 7 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $92,601.80 (31.96 months PITIA reserves) > min required reserves of $0 |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;315 | XXXXXX | XXXXXX | FL | 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>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 759 > 139 points of minimum guideline requirements of 620.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current residence for the past 21 years and 0 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower1 has significant time at current job, 8 years and 7 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $92,601.80 (31.96 months PITIA reserves) > min required reserves of $0 |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 786 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Post close assets are $480,232.33 or 143 months PITI > min required reserves of $0.00 |
| &nbsp;&nbsp;&nbsp;318 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B | Compliance | Texas<br>Home<br>Equity | Active B | CMPTXHE119 | Texas<br>Equity<br>—<br>Affidavit<br>of Fair<br>Market<br>Value<br>not<br>signed<br>by<br>lender | No | Affidavit<br>of Fair<br>Market<br>Value<br>signed by<br>borrowers<br>, not<br>signed by<br>Lender | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 791 median FICO. Minimum required 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified 32.53% DTI. Max allowed 50%. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;320 | XXXXXX | XXXXXX | MN | 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>2.5.<br>Clayton to<br>order desk<br>review. | 11/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Bonus income not used to qualify. 2023 + 2024 + YTD = $45,954 / 30 months = $1,531.80/mo<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 791 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 8.41%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer debt: 0x30 x greater than 99 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets $92,712.82 (22.74 months PITIA reserves) > min required reserves of $0.00 |
| &nbsp;&nbsp;&nbsp;322 | XXXXXX | XXXXXX | PA | 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>No LCA<br>score.<br>Clayton to<br>order desk<br>review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 18 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 815 exceeds min of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves $142,197.79 exceed required reserves of $0.00. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;325 | XXXXXX | XXXXXX | WI | 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>Condition is<br>informational<br>per Clayton<br>Compliance<br>department<br>and TRID<br>2.0 revisions.<br>Condition<br>satisfied.<br>Final Grade<br>A. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 8 years in same line of work/profession<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 1.00% revolving credit utilization<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 > min. requirement of 620 |
| &nbsp;&nbsp;&nbsp;325 | 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 | LCA score ><br>2.5. Clayton<br>to order desk<br>review | 11/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 8 years in same line of work/profession<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 1.00% revolving credit utilization<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 > min. requirement of 620 |
| &nbsp;&nbsp;&nbsp;328 | XXXXXX | XXXXXX | IA | 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 is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 736 is 116 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 17.46% is below the guideline maximum of 45%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 153 months. |

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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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;332 | XXXXXX | XXXXXX MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A B | Compliance | Ability to<br>Repay/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 | 1008 shows<br>Other Escrow<br>of $458.30.<br>Provide<br>documentation<br>for this fee or<br>explanation<br>why expense<br>is not valid<br>and provide<br>updated 1008<br>removing it. | 11/12/2025:<br>Received<br>tax escrow<br>estimate of<br>$558.30/mo.<br>After update<br>DTI 46.27%<br>matches<br>lender. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has been in the same line of work for 10 years<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage payment history reporting to credit is positive. |
| &nbsp;&nbsp;&nbsp;332 | XXXXXX | XXXXXX MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A B | Credit | Re-Verifications | Satisfied B A | CRDRVRFC1803 | Debts/<br>Obligations<br>that were<br>not discl at<br>origination<br>revealed<br>through<br>independent<br>re-<br>verification | No | 1008 shows<br>Other Escrow<br>of $458.30.<br>Provide<br>documentation<br>for this fee or<br>explanation<br>why expense<br>is not valid<br>and provide<br>updated 1008<br>removing it. | 11/12/2025:<br>Received<br>tax escrow<br>estimate of<br>$558.30/mo.<br>After update<br>DTI 46.27%<br>matches<br>lender. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has been in the same line of work for 10 years<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage payment history reporting to credit is positive. |
| &nbsp;&nbsp;&nbsp;332 | XXXXXX | XXXXXX MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR275 | Completed<br>"Subject<br>To" w/o<br>Completion<br>Cert in File | No | The appraisal<br>in file is<br>subject to<br>completion<br>without final<br>inspection in<br>file. | 11/17/2025:<br>Received<br>1004D.<br>100%<br>complete. | 11/17/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has been in the same line of work for 10 years<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage payment history reporting to credit is positive. |
| &nbsp;&nbsp;&nbsp;335 | XXXXXX | XXXXXX FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Compliance | Ability to<br>Repay/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 | W-2 earnings<br>statements<br>were not in<br>the file for the<br>borrower<br>overall<br>income<br>support is not<br>materially<br>documented. | 11/18/2025:<br>Received<br>WVOEs<br>covering 36<br>months. | 11/18/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has worked in the Hotel Industry for 40 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 799 FICO score. Minimum required 620. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;335 | XXXXXX | XXXXXX FL | 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<br>meet<br>guidelines | No | W-2 earnings<br>statements<br>were not in<br>the file for<br>the borrower<br>overall<br>income<br>support is not<br>materially<br>documented. | 11/18/2025:<br>Received<br>WVOEs<br>covering 36<br>months. | 11/18/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has worked in the Hotel Industry for 40 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 799 FICO score. Minimum required 620. |
| &nbsp;&nbsp;&nbsp;336 | XXXXXX | XXXXXX IL | 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 A | CMPTRID5293 | TRID Not<br>all 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 | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 806 credit score exceeds minimum FICO score by 186 points<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is below 30%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: The client has 2 open trades and low balance based on credit limit |
| &nbsp;&nbsp;&nbsp;336 | XXXXXX | XXXXXX IL | 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 | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 806 credit score exceeds minimum FICO score by 186 points<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is below 30%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: The client has 2 open trades and low balance based on credit limit |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;336 | 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 | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 806 credit score exceeds minimum FICO score by 186 points<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is below 30%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: The client has 2 open trades and low balance based on credit limit |
| &nbsp;&nbsp;&nbsp;341 | XXXXXX | XXXXXX | SC | 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 —<br>Loan subject<br>to 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<br>declared<br>QM Safe<br>Harbor<br>(APOR)<br>from<br>lender/<br>client;<br>Clayton<br>status is<br>NONQM<br>due to fees<br>too high<br>(adjusted<br>charges are<br>$39,041.34,<br>max<br>allowed is<br>$17,836.59;<br>$11,204.75<br>too high). | 11/20/2025:<br>Received<br>verification<br>of a<br>bonafide<br>fee.<br>Clayton<br>verifies SH<br>APOR. | 11/20/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 95%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 36.31% is above the minimum program requirements of 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 829 > 209 points of minimum guideline requirements of 620. |
| &nbsp;&nbsp;&nbsp;341 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CMPATRQM2904 | TILA —<br>Loan subject<br>to Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; is not a<br>Qualified<br>Mortgage. | No | Loan<br>declared<br>QM Safe<br>Harbor<br>(APOR)<br>from<br>lender/<br>client;<br>Clayton<br>status is<br>NONQM<br>due to fees<br>too high<br>(adjusted<br>charges are<br>$39,041.34,<br>max<br>allowed is<br>$17,836.59;<br>$11,204.75<br>too high). | 11/20/2025:<br>Received<br>verification<br>of a<br>bonafide<br>fee.<br>Clayton<br>verifies SH<br>APOR. | 11/20/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 95%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 36.31% is above the minimum program requirements of 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 829 > 209 points of minimum guideline requirements of 620. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;341 | XXXXXX | XXXXXX | SC | 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 | Clayton<br>to Order<br>CDA to<br>Support<br>value<br>$XXX.<br>CU score<br>is 4.0 | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 95%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 36.31% is above the minimum program requirements of 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 829 > 209 points of minimum guideline requirements of 620. |
| &nbsp;&nbsp;&nbsp;343 | XXXXXX | XXXXXX | CA | 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 | Valuation<br>in file of<br>cu score<br>3.0<br>exceeds<br>guides,<br>Clayton<br>to order<br>desk<br>review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 12.10 years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 789 exceeds min of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history has no lates.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $63,032.27 post closing reserves. |
| &nbsp;&nbsp;&nbsp;346 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 fico score Minimum FICO is 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $229929 or 62.97 months of P&I > min required of $0<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44 DTI and Max DTI is 45% |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;348 | XXXXXX | XXXXXX | OK | 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>approved<br>with a<br>Property<br>Inspection<br>Waiver<br>(PIW);<br>Clayton to<br>order a BPO | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 57%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 20 years at current SE job |
| &nbsp;&nbsp;&nbsp;348 | XXXXXX | XXXXXX | OK | 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>approved<br>with a<br>Property<br>Inspection<br>Waiver<br>(PIW);<br>Clayton to<br>order a BPO | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 57%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 20 years at current SE job |
| &nbsp;&nbsp;&nbsp;350 | XXXXXX | XXXXXX | NC | 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 A | CMPTRID5293 | TRID Not<br>all<br>required<br>seller-<br>paid fees<br>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<br> - Clayton Comments: Post Close Assets are $22958.40 or 5.27 months of P&I<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 739 fico score Minimum FICO is 620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 6 years at current job |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;350 | XXXXXX | XXXXXX | NC | 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>approved<br>PIW.<br>Clayton to<br>order BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $22958.40 or 5.27 months of P&I<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 739 fico score Minimum FICO is 620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 6 years at current job |
| &nbsp;&nbsp;&nbsp;350 | XXXXXX | XXXXXX | NC | 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.<br>Clayton to<br>order BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $22958.40 or 5.27 months of P&I<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 739 fico score Minimum FICO is 620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 6 years at current job |
| &nbsp;&nbsp;&nbsp;353 | XXXXXX | XXXXXX | TX | 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 A | CMPTRID5293 | TRID Not<br>all<br>required<br>seller-<br>paid fees<br>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 | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.85 below GL 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score 793 exceeds GL 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 all tradelines |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;353 | 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 A B | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan<br>Approved<br>by AUS<br>as an<br>Appraisal<br>Waiver<br>(PIW) | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.85 below GL 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score 793 exceeds GL 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 all tradelines |
| &nbsp;&nbsp;&nbsp;353 | 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 | PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.85 below GL 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score 793 exceeds GL 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 all tradelines |
| &nbsp;&nbsp;&nbsp;356 | XXXXXX | XXXXXX | GA | 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>3.1.<br>Clayton<br>to order<br>Desk<br>Review. | 11/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 769 is 149 points above minimum program requirements of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 32.34% is below the guideline minimum 45%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $5238.45 which is > guideline minimum. |

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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 Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 16 years on current job<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has 15 years on current job |
| &nbsp;&nbsp;&nbsp;360 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 yrs 8 mos<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score 797 exceeds GL 620<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 1/2022 to current |
| &nbsp;&nbsp;&nbsp;362 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 72.222% LTV for Subject Property is below guideline max LTV of 95%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 728 > 108 points of minimum guideline requirements of 620.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 19 years and 9 months. |
| &nbsp;&nbsp;&nbsp;363 | XXXXXX | XXXXXX | OK | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 25.24 is below max of 50%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 15 years at profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 7 years at current profession. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;364 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 790 > 170 points of minimum guideline requirements of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 14.81% is above the minimum program requirements of 45% |
| &nbsp;&nbsp;&nbsp;368 | 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 | CU score<br>is >2.5.<br>Clayton to<br>order Desk<br>Review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 716 FICO score. Minimum required 620.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. |
| &nbsp;&nbsp;&nbsp;370 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3552 | TRID —<br>Loan<br>Estimate<br>not<br>timely | No | Initial<br>application<br>date XXX<br>per loan<br>docs.<br>Initial LE<br>dated<br>XXX in<br>file. | 11.24.2025<br>— Initial<br>LE<br>provided | 11.24.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 752 fico score Minimum FICO is 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $30036.74 or 9.23 months of P&I<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.48 DTI |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;372 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 172+ Months reporting 0x30<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 7 years 4 months with Current Employer<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $40,317.94 (12.52 months PITIA reserves) > min required of $0.00 |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is below 40%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been at current job over 10 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO score of 727 is 107 points above minimum FICO requirements |
| &nbsp;&nbsp;&nbsp;376 | XXXXXX | XXXXXX | IN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA —<br>Loan subject<br>to Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>lender QM<br>determination. | 11/25/2025:<br>Received<br>Safe<br>Harbor<br>verification. | 11/25/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 734 FICO score. Minimum required 620.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has maintained successful employment in Medical Care Services for 27 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower has maintained consistent employment in the Oil Industry for 25 years. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;377 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 765 FICO score. Minimum required 620.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 82 months reviewed reporting 0 late payments. |
| &nbsp;&nbsp;&nbsp;381 | 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 | LCA (or<br>CU) score<br>is >2.5.<br>Clayton to<br>order<br>deskreview. | 11/10/2025:<br>Received<br>CDA<br>supporting<br>value<br>within<br>tolerance (-<br>2.50%). | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 734 exceeds minimum of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 24.34% below max of 43%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80% below max of 95% for purchase |
| &nbsp;&nbsp;&nbsp;382 | 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<br> - Clayton Comments: Borrower has 5.92yrs tenure with current employer.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.43% LTV below maximum allowed LTV of 97%, per guidelines.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.65% DTI (Lender DTI 39.62%) below maximum allowed 45% per guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history with only one isolated 1x30 late. 708 Median Credit Score, 11/2018 Oldest Trade Line |

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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** | **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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;384 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $14095.11 or 2.58 months of P&I<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 755 fico score Minimum FICO is 620 |
| &nbsp;&nbsp;&nbsp;385 | XXXXXX | XXXXXX NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 37 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 728 is 108 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves in amount of $50,391.20. No reserves needed. |
| &nbsp;&nbsp;&nbsp;387 | XXXXXX | XXXXXX NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have occupied the departing residence for 5 years 10 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: $107,221.90 — $592.00 XXX = $106,629.90/$4,734.98 PITIA = 22.52 months reserves and the DU Findings do not require any reserves.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is 43.63% and guidelines allow the DTI to be 50% |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;388 | XXXXXX | XXXXXX | CA | 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>Desk<br>Review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br>- Clayton Comments: The borrowers have occupied the departing residence for 12 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br>- Clayton Comments: Post-ClosingAssets: $167,993.14/$6,788.95 PITIA on both properties owned = 24.75 monthsreserves on both properties. The LPFindings do not require any reserves.<br>CFCFS1744: DTI below guideline requirement<br>- Clayton Comments: DTI is 23.16% and guidelines allow the DTI to be 50% |
| &nbsp;&nbsp;&nbsp;389 | 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 | Missing<br>Updated<br>Valuation:<br>LCA<br>score is ><br>2.5.<br>Clayton to<br>order desk<br>review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br>- Clayton Comments: DTI of 43.47% is below the guideline minimum of 50%.<br>CFCFS1737: LTV below guideline requirements<br>- Clayton Comments: LTV is 79.27% guidelines allow 95%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 749 FICO score .Minimum required 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves $358,757.48 exceed required reserves of $0.00. |
| &nbsp;&nbsp;&nbsp;390 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Co-borrower has significant time at current residence, 7 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for 16 years 8 months. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;393 | 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>not<br>provided.<br>Clayton<br>to order<br>desk<br>review. | 11/11/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/11/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 21 years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 736 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;396 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has 5 years on current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 781 fico score Minimum FICO is 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $166,915.11 or 34.98 months PITIA. DU AUS required no reserves. |
| &nbsp;&nbsp;&nbsp;398 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br>- Clayton Comments: 5 years at current residence<br>CFCFS2854: Significant time in profession<br>- Clayton Comments: 10 years in profession<br>CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: 762 fico score Minimum FICO is 620 |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;401 | XXXXXX | XXXXXX | CA | 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>4.5.<br>Clayton<br>to order<br>Desk<br>Review. | 11/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br>- Clayton Comments: 18 yrs<br>CFCFS1736: Significant time at current residence<br>- Clayton Comments: 11 yrs<br>CFCFS2854: Significant time in profession<br>- Clayton Comments: 22 yrs<br>CFCFS1735: Co-Borrower has significant time at current job<br>- Clayton Comments: 7 yrs 11 mos |
| &nbsp;&nbsp;&nbsp;404 | XXXXXX | XXXXXX | OK | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br>- Clayton Comments: 12 years in profession<br>CFCFS1734: Borrower has significant time at current job<br>- Clayton Comments: 12 years on the current job<br>CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: 742 fico score |
| &nbsp;&nbsp;&nbsp;405 | 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<br>- Clayton Comments: 9 years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 819 fico score Minimum FICO is 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $60872.29 or 12.40 months of P&I . Reserves required are $0.00 |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;406 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history with no derogatory events<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit usage ratio is 13.44%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80%/ max 90% |
| &nbsp;&nbsp;&nbsp;408 | XXXXXX | XXXXXX | TX | 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 | DU #7<br>run<br>XXX<br>shows<br>DTI<br>31.58%.<br>1008<br>show<br>38.90%<br>DTI.<br>Clayton<br>verified<br>40.98%<br>DTI.<br>Provide<br>latest<br>DU<br>Findings<br>with<br>38.90%<br>DTI per<br>1008. | 11/26/2025:<br>Received<br>DU #11<br>with<br>38.90%<br>DTI. | 11/26/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 722 exceeds minimum of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 40.98% below max of 43%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: reserves of $243134.36 |
| &nbsp;&nbsp;&nbsp;410 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 747 fico score Minimum FICO is 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves $15,812.21 exceed required reserves $0.00. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;411 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 69.17 % is below Guideline 80% maximum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $47,269.14 exceed DU required of $21,583.85.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for 8 years and 5 months. |
| &nbsp;&nbsp;&nbsp;414 | XXXXXX | XXXXXX | UT | 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 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 | Review DTI<br>of 45.43% ><br>10%<br>variance<br>from AUS<br>DTI of<br>33.81% and<br>exceeds<br>maximum<br>permitted of<br>45%<br>Clarification<br>required RE:<br>investment<br>property(ies)<br>owned.<br>AUS<br>submitted<br>with $4,058<br>rental<br>income. All<br>1003's<br>provided do<br>not list any<br>investment<br>properties.<br>Schedule E<br>of 2024 tax<br>return lists<br>only XXX<br>and PITIA<br>is not<br>documented.<br>Reviewer is<br>unable to<br>calculate<br>rental<br>income or<br>(loss) | 11/18/2025:<br>Received<br>LOX and was<br>also able to<br>calculate<br>rental on<br>Schedule E.<br>Although<br>claimed as<br>short term<br>rental, both<br>2023 and<br>2024 1040s<br>show Rental<br>income, 306<br>days rented<br>in 2023.<br>Clayton<br>verified<br>$4,434/month<br>net rent.<br>Lender<br>verified<br>$4,058 per<br>1008.<br>Clayton used<br>lower<br>amount. DTI<br>is now<br>33.50%,<br>within<br>tolerance. | 11/18/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Minimum credit score 620; credit score 776<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 5.55% |
| &nbsp;&nbsp;&nbsp;414 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Credit | DTI | Satisfied C A | CRDDTI134 | Debt<br>Ratio<br>Exception<br>=>10% | No | Review DTI<br>of 45.43% ><br>10%<br>variance<br>from AUS<br>DTI of<br>33.81% and<br>exceeds<br>maximum<br>permitted of<br>45%<br>Clarification<br>required RE:<br>investment<br>property(ies)<br>owned.<br>AUS<br>submitted<br>with $4,058<br>rental<br>income. All<br>1003's<br>provided do<br>not list any<br>investment<br>properties.<br>Schedule E<br>of 2024 tax<br>return lists<br>only XXX<br>and PITIA<br>is not<br>documented.<br>Reviewer is<br>unable to<br>calculate<br>rental<br>income or<br>(loss) | 11/18/2025:<br>Received<br>LOX and was<br>also able to<br>calculate<br>rental on<br>Schedule E.<br>Although<br>claimed as<br>short term<br>rental, both<br>2023 and<br>2024 1040s<br>show Rental<br>income, 306<br>days rented<br>in 2023.<br>Clayton<br>verified<br>$4,434/month<br>net rent.<br>Lender<br>verified<br>$4,058 per<br>1008.<br>Clayton used<br>lower<br>amount. DTI<br>is now<br>33.50%,<br>within<br>tolerance. | 11/18/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Minimum credit score 620; credit score 776<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 5.55% |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;415 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 FICO score exceeds minimum FICO requirements by 159 points<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at job over 6 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is under 40% |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Legal<br>Documents | Satisfied D A | CRDLGL2996 | Missing<br>Trust<br>Documents | No | Missing<br>Trust<br>Documents | 11.24.2025<br>— Trust<br>cert<br>received. | 11.24.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 13 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $269,037.94.No reserves required by DU. |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | XXXXXX | AZ | 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<br>approved<br>by DU<br>with PIW.<br>Clayton to<br>order BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance (-<br>0.61%). | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 13 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $269,037.94.No reserves required by DU. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;417 | 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<br>approved<br>by DU<br>with<br>PIW.<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance (-<br>0.61%). | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 13 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $269,037.94.No reserves required by DU. |
| &nbsp;&nbsp;&nbsp;420 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years 10 months at current Primary<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $63,256.49 in Reserves |
| &nbsp;&nbsp;&nbsp;423 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 804 FICO score. Minimum required 620.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. |
| &nbsp;&nbsp;&nbsp;424 | XXXXXX | XXXXXX | VA | 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<br>score is<br>4.0. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 700 FICO score. Minimum required 620.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has retained employment in the XXX Industry for 15 years. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;425 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA —<br>Loan subject<br>to Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>lender QM<br>determination. | 11/25/2025:<br>Received<br>Safe<br>Harbor<br>verification. | 11/25/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 768 is 148 points above program minimum requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 29.47% is below the guideline of 45% |
| &nbsp;&nbsp;&nbsp;431 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 67+ Months reporting 0 x 30<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13 Years and 3 Months at Current Primary |
| &nbsp;&nbsp;&nbsp;433 | XXXXXX | XXXXXX | UT | 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 | 11/13/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/13/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have been at their current residence over 14 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has been at the current job over 26 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 69.14%. Max 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 776. Minimum required 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 17.17%. Max 45% |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;433 | 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 D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 11/13/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/13/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have been at their current residence over 14 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has been at the current job over 26 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 69.14%. Max 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 776. Minimum required 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 17.17%. Max 45% |
| &nbsp;&nbsp;&nbsp;434 | 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<br>4.4.<br>Clayton<br>to order<br>Desk<br>Review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 790 median FICO. Minimum required 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified 25.73% DTI. Max allowed 45%. |
| &nbsp;&nbsp;&nbsp;437 | 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 | Clayton<br>to Order<br>CDA to<br>Support<br>value of<br>$XXX.<br>LCA<br>score<br>could not<br>be<br>assessed<br>for this<br>property. | 11/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.41% LTV for Subject Property is below guideline max LTV of 95%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 706 > 86 points of minimum guideline requirements of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 48.11% is above the minimum program requirements of 50% |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;440 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A B | Credit | Insurance | Satisfied D A | CRDINSR3278 | Hazard<br>Insurance<br>documentation<br>in file is<br>incomplete | No | Provide a<br>copy of the<br>Master<br>Condo HOI<br>dec page. | 11/26/2025:<br>Received<br>H03 for<br>subject.<br>Condo<br>project is 6<br>units and<br>Condo<br>Questionnaire<br>verifies<br>Liability Ins<br>only. | 11/26/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.91% below max 43%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 775 exceeds minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-closing assets $176,886.70 (29.85 months PITIA reserves) > min required reserves of $0 |
| &nbsp;&nbsp;&nbsp;440 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A B | 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. | 11/13/2025:<br>Received<br>CDA not<br>supporting<br>value (-<br>14.29%). | 11/13/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.91% below max 43%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 775 exceeds minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-closing assets $176,886.70 (29.85 months PITIA reserves) > min required reserves of $0 |
| &nbsp;&nbsp;&nbsp;440 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property<br>Value Not<br>Supported | No | 11/13/2025:<br>Exception<br>added after<br>review of<br>trailing<br>docs:<br>Received<br>CDA not<br>supporting<br>value (-<br>14.29%).<br>Clayton to<br>order Field<br>Review. | 11/21/2025:<br>Received<br>11/20/2025<br>Field Review<br>supporting<br>$XXX<br>original<br>appraised<br>value. | 11/21/2025:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.91% below max 43%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 775 exceeds minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-closing assets $176,886.70 (29.85 months PITIA reserves) > min required reserves of $0 |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;441 | XXXXXX | XXXXXX | MN | 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<br>to order<br>desk<br>review. | 11/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have occupied the departing residence for 6 years 10 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has been with the employer for 4 years 8 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: $221,040.53/$5,043.52 PITI = 43.83 months reserves. |
| &nbsp;&nbsp;&nbsp;442 | XXXXXX | XXXXXX | WA | 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>Approved<br>by AUS<br>as a PIW;<br>Clayton<br>to order<br>BPO | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: good mortgage payment history with no lates or derogatory events<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 715/ minimum 620 |
| &nbsp;&nbsp;&nbsp;442 | XXXXXX | XXXXXX | WA | 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>Approved<br>by AUS<br>as a PIW;<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: good mortgage payment history with no lates or derogatory events<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 715/ minimum 620 |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;443 | XXXXXX | XXXXXX NJ | 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 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 | TILA cure<br>required.<br>Refund in<br>the amount<br>of<br>$1612.78;<br>cure<br>package<br>requires a<br>PCCD,<br>LOE, copy<br>of refund<br>check and<br>proof of<br>delivery or<br>valid COC.<br>The<br>violation is<br>due to<br>increase<br>from $0.00<br>to<br>$1437.78<br>for the<br>Escrow<br>Waiver Fee<br>and<br>increase of<br>$0.00 to<br>$175 for<br>inspection<br>fee. | 11.26.2025<br>— Missing<br>COC and<br>LEs<br>received. | 11.26.2025<br>-Exception<br>satisfied | (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 300 months credit history exceeds guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers demonstrate good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $532,168.26 (102.83 months PITIA reserves) > min required reserves of $0.00 |
| &nbsp;&nbsp;&nbsp;443 | XXXXXX | XXXXXX NJ | 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 | CMPTRID5095 | TRID —<br>Escrow<br>Waiver Fee<br>disclosed in<br>Loan Costs<br>but is not<br>disclosed in<br>Loan<br>Disclosures | No | Per the<br>final CD<br>escrow<br>waiver fee<br>is<br>$1437.78,<br>however,<br>the escrow<br>waiver fee<br>is not<br>disclosed<br>under the<br>loan<br>disclosures. | 11.26.2025<br>— LOX<br>and PCCD<br>received. | 11.26.2025<br>-Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 300 months credit history exceeds guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers demonstrate good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $532,168.26 (102.83 months PITIA reserves) > min required reserves of $0.00 |
| &nbsp;&nbsp;&nbsp;443 | XXXXXX | XXXXXX NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | 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. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 300 months credit history exceeds guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers demonstrate good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $532,168.26 (102.83 months PITIA reserves) > min required reserves of $0.00 |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;445 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 169 months credit history exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence 6 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history. |
| &nbsp;&nbsp;&nbsp;448 | XXXXXX | XXXXXX | TN | 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<br>to order<br>BPO | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 99 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Both borrowers 12 years in same profession<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 in 51 months |
| &nbsp;&nbsp;&nbsp;448 | XXXXXX | XXXXXX | TN | 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 is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 99 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Both borrowers 12 years in same profession<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 in 51 months |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;451 | 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 | CU score ><br>2.5.<br>Clayton to<br>order desk<br>review | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $99,575.10 post closing reserves. DU requires $0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 774/ minimum 620<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage history with no lates or derogatory events. |
| &nbsp;&nbsp;&nbsp;452 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 808 is 188 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 15.49% is below the guideline minimum of 45%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 243 months. |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | XXXXXX | WA | 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 (or<br>CU) score<br>is >2.5.<br>Clayton to<br>order<br>deskreview. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/11/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 Years and 0 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 620. File credit score 716. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;457 | 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<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 95%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 33.34% is above the minimum program requirements of 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 745 > 125 points of minimum guideline requirements of 620. |
| &nbsp;&nbsp;&nbsp;457 | XXXXXX | XXXXXX | AZ | 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 is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 95%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 33.34% is above the minimum program requirements of 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 745 > 125 points of minimum guideline requirements of 620. |

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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 Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;459 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 803 exceeds minimum 620<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 over 24 months history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: verified $325,821.48 (63.11 months PITIA reserves) > reserves required: 0.00` |
| &nbsp;&nbsp;&nbsp;461 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 756 > is above guideline minimum credit score 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 80% is 17 points below the program guideline maximum 97%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 29.98% is 15.02 points below the program guideline maximum 45%. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;463 | XXXXXX | XXXXXX CA | 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 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 | Missing<br>proof<br>of<br>receipt<br>for<br>initial<br>CD<br>XXX. | 11.21.2025<br>— ICD<br>tracking<br>received. | 11.21.2025<br>—<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 770 exceeds min score requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x82.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 5 years. |
| &nbsp;&nbsp;&nbsp;463 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | 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 | Missing<br>proof<br>of<br>receipt<br>for<br>initial<br>CD<br>XXX. | 11.21.2025<br>— ICD<br>tracking<br>received. | 11.21.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 770 exceeds min score requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x82.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 5 years. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;463 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | 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. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance (-<br>0.59%). | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 770 exceeds min score requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x82.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 5 years. |
| &nbsp;&nbsp;&nbsp;463 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance (-<br>0.59%). | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 770 exceeds min score requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x82.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 5 years. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;465 | XXXXXX | XXXXXX | CA | 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>UCDP<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 11/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 7.167yrs tenure with current employer<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history with only one 1x30 isolated late payment. 758 Median Credit Score, Oldest Trade 3/2011<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 53 consecutive months mortgage payment history exceeds 24 month guideline credit review<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV below maximum allowed 95% LTV per guidelines |
| &nbsp;&nbsp;&nbsp;467 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B | Compliance | Texas<br>Home<br>Equity | Active B | CMPTXHE119 | Texas<br>Equity<br>—<br>Affidavit<br>of Fair<br>Market<br>Value<br>not<br>signed<br>by<br>lender | No | Affidavit<br>of Fair<br>Market<br>Value not<br>signed by<br>lender | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $642,050.73 or 116.68 months of PITI. No reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 807 FICO score. Minimum required 620.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;467 | XXXXXX | XXXXXX | TX | 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 | 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>The Will Not<br>Have an<br>Escrow<br>Account in<br>the CD Loan<br>Disclosures<br>section is<br>selected and<br>neither of<br>You declined<br>it and/or<br>Your lender<br>does not offer<br>one are<br>selected. | 11.26.2025<br>— LOX and<br>PCCD<br>received. | 11.26.2025<br>—<br>Exception<br>satisfied | Non-Numeric | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $642,050.73 or 116.68 months of PITI. No reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 807 FICO score. Minimum required 620.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. |
| &nbsp;&nbsp;&nbsp;469 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | Texas<br>Home<br>Equity | Satisfied C B | CMPTXHE108 | TX Equity<br>— Total<br>fees greater<br>than the<br>allowable<br>cap | No | Maximum<br>charges<br>$6,400.00;<br>Adjusted<br>charges<br>$6,764.29<br>($364.29<br>difference).<br>Total charges<br>of 2.114%<br>exceeds the<br>TX Equity<br>Allowable<br>High-Cost<br>Loan<br>threshold<br>Maximum<br>Charge of<br>2.00%.<br>Missing<br>Undiscounted<br>Rate to test<br>Bona Fide<br>discount<br>points. | 11.25.2025 -<br>Undiscounted<br>rate provided. | 11.25.2025<br>-Exception<br>satisfied | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 761 > is above guideline minimum credit score 620.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 17 years. |
| &nbsp;&nbsp;&nbsp;470 | 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 | Missing<br>Updated<br>Valuation:<br>LCA score ><br>2.5. Clayton<br>to order Desk<br>Review. | 11/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 772 is 152 points above program minimum requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 33.66% is > below guidelines of 45% |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;472 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 20 years in profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 785 fico score Minimum FICO is 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $57,767.11 or 22.11 months of P&I |
| &nbsp;&nbsp;&nbsp;474 | 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 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. | 11/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 791 exceeds minimum of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.35% below max of 43%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: verified reserves 3 months totaling $21734.65 |
| &nbsp;&nbsp;&nbsp;474 | XXXXXX | XXXXXX | CA | 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 is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 791 exceeds minimum of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.35% below max of 43%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: verified reserves 3 months totaling $21734.65 |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;480 | XXXXXX | XXXXXX | NC | 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<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession for 16 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 772. Minimum required 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Calculated DTI 36.81%. Max 45% |
| &nbsp;&nbsp;&nbsp;480 | XXXXXX | XXXXXX | NC | 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>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession for 16 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 772. Minimum required 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Calculated DTI 36.81%. Max 45% |
| &nbsp;&nbsp;&nbsp;481 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8+ Years at Primary<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 175+ Months reporting 0x30 |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;485 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Legal<br>Documents | Satisfied D A | CRDLGL2642 | Missing<br>proof that<br>HELOC<br>has been<br>paid and<br>closed to<br>future<br>draws | No | Provide<br>verification<br>subject<br>HELOC<br>with XXX<br>is closed to<br>future<br>draws.<br>Page 2 of<br>the Payoff<br>Letter is<br>not<br>completed<br>and signed<br>by<br>borrowers. | 11/21/2025:<br>Received<br>fully<br>executed<br>payoff to<br>close<br>HELOC. | 11/21/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been employed with the same employer for 40 years and 5 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower fico score is 776 > 620 |
| &nbsp;&nbsp;&nbsp;485 | 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>2.5.<br>Clayton to<br>order desk<br>review | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been employed with the same employer for 40 years and 5 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower fico score is 776 > 620 |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | XXXXXX MD | 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 BPO | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance (-<br>0.99%). | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 800 score with 620 min<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.8 DTI is lower than 45 DTI MAX<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 7 years 5 months at current job |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | XXXXXX | MD | 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>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance (-<br>0.99%). | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 800 score with 620 min<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.8 DTI is lower than 45 DTI MAX<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 7 years 5 months at current job |
| &nbsp;&nbsp;&nbsp;491 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 7.22% |
| &nbsp;&nbsp;&nbsp;498 | 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<br> - Clayton Comments: Borrower has significant time at current job, 12 years and 1 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score 755 > 135 points of minimum guideline requirements of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 95% |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;499 | 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 C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 9 yrs 7 mos<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 9 yrs B2 9 yrs 7 mos<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 all tradelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $86,931.76 (18.47 months PITIA reserves) > min required reserves of $0.00 |
| &nbsp;&nbsp;&nbsp;499 | XXXXXX | XXXXXX IL | 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>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 9 yrs 7 mos<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 9 yrs B2 9 yrs 7 mos<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 all tradelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $86,931.76 (18.47 months PITIA reserves) > min required reserves of $0.00 |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;501 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 762 is 142 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allows 80%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on job for 60 months. |
| &nbsp;&nbsp;&nbsp;504 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 30 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV below guideline requirements of 95% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 795 exceeds the guideline program minimum of 620. |
| &nbsp;&nbsp;&nbsp;507 | XXXXXX | XXXXXX | MS | 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<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is below 40%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 credit score exceeds minimum FICO score by 136 points<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Brwr has been at current employer for 15 years |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;507 | XXXXXX | XXXXXX | MS | 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>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is below 40%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 credit score exceeds minimum FICO score by 136 points<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Brwr has been at current employer for 15 years |
| &nbsp;&nbsp;&nbsp;510 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: CBR exhibits minimal revolving utilization 0.84%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 730 qualifying score exceeds GL 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $43,559.38= 10.89 PITIA Reserves required $0.00 |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $20,709.27 Required Reserves are $0 per DU<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has worked for the same employer for 8 years<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 in 17 months |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;512 | 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 | LCA<br>score ><br>2.5.<br>Clayton<br>to order<br>desk<br>review | 11/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 46+ Months Mortgage History reporting 0x30. Min. requirement of 12 mos. review<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4.5 Years at Current Residence |
| &nbsp;&nbsp;&nbsp;517 | XXXXXX | XXXXXX | CO | 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 D A | CMPTRID5107 | TRID —<br>Seller<br>CD not<br>in file;<br>need in<br>order to<br>complete<br>fee entry | No | TRID —<br>Seller<br>CD not<br>in file;<br>need in<br>order to<br>complete<br>fee entry | 11.24.2025<br>-Seller CD<br>provided. | 11.24.2025<br>-Exception<br>satisfied | Not<br>Applicable | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $32,158.77 PITIA which is > guideline minimum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 764 is 144 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.74 is below the guideline minimum of 45% |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;517 | 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 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. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance (-<br>0.86%). | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $32,158.77 PITIA which is > guideline minimum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 764 is 144 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.74 is below the guideline minimum of 45% |
| &nbsp;&nbsp;&nbsp;517 | XXXXXX | XXXXXX | CO | 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 is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance (-<br>0.86%). | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $32,158.77 PITIA which is > guideline minimum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 764 is 144 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.74 is below the guideline minimum of 45% |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 3.67%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $57,641.73 (12.03 months PITIA reserves) > min required reserves of $0.00<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 37.44%/ maximum DTI is 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 818/ minimum credit score is 620<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage pay history is good with no lates or derogatory events |
| &nbsp;&nbsp;&nbsp;526 | XXXXXX | XXXXXX | PA | 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<br>to order<br>BPO. | 11/12/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 732 is 112 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 26.61% is below the guideline minimum of 45%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 36 months mortgage payment history 0x30. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;526 | 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 | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 11/12/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 732 is 112 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 26.61% is below the guideline minimum of 45%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 36 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;527 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves is 63 moths PITI/no reserves required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 40.84/ maximum DTI 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 787/minimum is 620 |
| &nbsp;&nbsp;&nbsp;530 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C | Credit | Assets | Active C | CRDAST206 | Asset Amounts<br>Are<br>Unsupported<br>by<br>Documentation<br>in File | Yes | Missing<br>proof of<br>the<br>following<br>gift<br>monies:<br>$60,000<br>Per UW<br>notes<br>paid at<br>close.<br>Missing<br>from<br>final CD.<br>$22,650<br>EMD<br>monies.<br>No proof<br>received<br>in file.<br>Total<br>gifts<br>$82,650. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 734 FICO score. Minimum required 620.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;531 | 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>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 11/12/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 29 yrs 1 mos<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score 761 exceeds GL 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 pd as agreed per CBR |
| &nbsp;&nbsp;&nbsp;531 | 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 | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 11/12/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 29 yrs 1 mos<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score 761 exceeds GL 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 pd as agreed per CBR |
| &nbsp;&nbsp;&nbsp;534 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.18 below max of 43%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 814 exceeds minimum of 620 |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;602 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 810 is 190 points above program guideline minimum of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.57% DTI is below guideline requirement of 45.00% |
| &nbsp;&nbsp;&nbsp;536 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $59132.37 or 12.47 months of P&I<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 fico score Minimum FICO is 620 |
| &nbsp;&nbsp;&nbsp;544 | 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 | CU<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 11/10/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been at job over 7 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is below 40%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 749 FICO score exceeds minimum score by 129 points |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;545 | XXXXXX | XXXXXX | OK | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV below guideline requirements of 95% per program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 22 years and 1 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 22 years. |
| &nbsp;&nbsp;&nbsp;547 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Credit | Insurance | Active D | CRDINSR3278 | Hazard<br>Insurance<br>documentation<br>in file is<br>incomplete | Yes | Provide<br>Condo<br>Master<br>Insurance<br>Dec<br>page.<br>H06 only<br>is in the<br>file. | 12/1/2025:<br>Received<br>two copies<br>of the<br>H06. Still<br>need<br>Condo<br>Master<br>HOI. | 12/1/2025:<br>Exception<br>remains. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 807 is 187 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.46% is below the guideline minimum of 45%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 120 months mortgage payment history 0x30. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 179 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 801 is 181 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 26.49% is below the guideline minimum of 45%. |
| &nbsp;&nbsp;&nbsp;550 | XXXXXX | XXXXXX | VA | 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. | 11/13/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/13/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 10 yrs B2 16 yrs<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 28% DTI below GL 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score 805 exceeds GL 620<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 7/2015 to current<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 all accts per CBR |

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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 Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;551 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D C 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 and<br>render an<br>accurate<br>ATR/QM<br>status. | Yes | Missing<br>documentation<br>to support<br>relocation<br>debt payment.<br>Borrower<br>received<br>relocation<br>funds<br>deposited<br>08/14/2025<br>for $23,236.00<br>to XXX accnt

#XXX,<br>Employer<br>offer letter in<br>file states that<br>a 24 month<br>repayment<br>agreement<br>applies. Add<br>monthly<br>payment to<br>liabilities.<br>AUS must<br>remain,<br>Approve/<br>Eligible. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 804 exceeds the guideline program minimum of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $10,912.07 or 3.44 months PITI , Required PITI Reserves are $0<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have resided at current residence for 10 years. |
| &nbsp;&nbsp;&nbsp;551 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D C | Credit | Credit/<br>Mtg<br>History | Active C | CRDCRMH1805 | Debts/<br>obligations<br>not<br>disclosed/<br>accounted<br>for at<br>origination | Yes | Missing<br>documentation<br>to support<br>relocation<br>debt payment.<br>Borrower<br>received<br>relocation<br>funds<br>deposited<br>08/14/2025<br>for $23,236.00<br>to XXX accnt

#XXX,<br>Employer<br>offer letter in<br>file states that<br>a 24 month<br>repayment<br>agreement<br>applies. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 804 exceeds the guideline program minimum of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $10,912.07 or 3.44 months PITI , Required PITI Reserves are $0<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have resided at current residence for 10 years. |

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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 Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;552 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 7 years at current job<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 12 years in profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 808 fico score Minimum FICO is 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $87,506.25 (31.62 months PITIA reserves) > min required reserves of $0.00 |
| &nbsp;&nbsp;&nbsp;556 | XXXXXX | XXXXXX | IN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 7 yrs 4 mos<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score 789 exceeds GL 620<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 history reported 10/2020 to current |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;563 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA —<br>Loan subject<br>to Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>Lender QM<br>determination. | 11/25/2025:<br>Received<br>Safe<br>Harbor<br>verification. | 11/25/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 17 yrs<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 all reported mortgage history<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.20% below GL 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying score 814 exceeds GL 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $171,814.98 (45.65 months PITIA) > min required of $0.00 |
| &nbsp;&nbsp;&nbsp;563 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) 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<br>approved with<br>PIW. Clayton<br>to order BPO. | 11/12/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 17 yrs<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 all reported mortgage history<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.20% below GL 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying score 814 exceeds GL 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $171,814.98 (45.65 months PITIA) > min required of $0.00 |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;563 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO. | 11/12/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 17 yrs<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 all reported mortgage history<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.20% below GL 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying score 814 exceeds GL 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $171,814.98 (45.65 months PITIA) > min required of $0.00 |
| &nbsp;&nbsp;&nbsp;565 | XXXXXX | XXXXXX | AZ | 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<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 344 months credit history exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 7+ months reserves exceeds guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;565 | 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>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 344 months credit history exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 7+ months reserves exceeds guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history. |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80%. Max 95%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 756. Minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $17,956.08 or 5.70 months reserves. No reserves required |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | XXXXXX | CO | 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>not<br>available.<br>Clayton<br>to order<br>desk<br>review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 56.25%. Max 95%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 808. Minimum required 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 18.11%. Max 45%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $75,190.51 or 20.85 months PITI reserves. No reserves required |
| &nbsp;&nbsp;&nbsp;569 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has been in the same profession for 15 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80%. Max 95%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing Assets $43,193.77 or 14.05 months PITI reserves. No reserves required |

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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** | **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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have been at their current home for 9 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession over 15 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80%. Max 95%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 750. Minimum required 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $338,156.19 or 89.75 months PITI reserves. No reserves required |
| &nbsp;&nbsp;&nbsp;572 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 770 > is above guideline minimum credit score 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 79.77 % is 17.01 points below the program guideline maximum 97%. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;575 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 786 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 25.13% is below the guideline minimum of 45%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $198,846.63 (60.51 months PITIA reserves) > min required reserves of $0.00 |
| &nbsp;&nbsp;&nbsp;580 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Compliance | Texas<br>Home<br>Equity | Satisfied C B | CMPTXHE100 | TX-Equity<br>— LTV/<br>CLTV<br>greater<br>than 80% | No | 11/10/2025:<br>Exception<br>added after<br>review of<br>trailing<br>docs:<br>Received<br>BPO not<br>supporting<br>value (-<br>11.05%).<br>LTV is<br>now<br>89.77%.<br>Exterior<br>only report<br>is next to<br>support<br>BPO value<br>$XXX. | 11/14/2025:<br>Received<br>2055<br>supporting<br>$XXX<br>value. | 11/14/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 797 exceeds minimum of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 over 24 months review<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: verified reserves $728600.5 |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;580 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | 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. | 11/10/2025:<br>Received BPO<br>not supporting<br>value (-11.05%). | 11/10/2025:<br>Exception satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 797 exceeds minimum of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 over 24 months review<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: verified reserves $728600.5 |
| &nbsp;&nbsp;&nbsp;580 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 11/10/2025:<br>Received BPO<br>not supporting<br>value (-11.05%).<br>Clayton to order<br>Exterior only<br>2055.11/14/2025:<br>Received 2055<br>supporting<br>$XXX value. | 11/10/2025:<br>Exception<br>remains.11/14/2025:<br>Exception satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 797 exceeds minimum of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 over 24 months review<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: verified reserves $728600.5 |
| &nbsp;&nbsp;&nbsp;580 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Property<br>Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property<br>Value Not<br>Supported | No | 11/10/2025:<br>Exception<br>added after<br>review of<br>trailing<br>docs:<br>Received<br>BPO not<br>supporting<br>value (-<br>11.05%).<br>Clayton to<br>order<br>Exterior<br>only 2055. | 11/14/2025:<br>Received 2055<br>supporting<br>$XXX value. | 11/14/2025:<br>Exception satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 797 exceeds minimum of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 over 24 months review<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: verified reserves $728600.5 |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;581 | XXXXXX | XXXXXX | CO | 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>Desk<br>Review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 22 years at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 807 fico score |
| &nbsp;&nbsp;&nbsp;583 | XXXXXX | XXXXXX | CO | 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<br>complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | Per LP<br>one year<br>most<br>recent tax<br>return is<br>required<br>and there<br>is no<br>income<br>relief<br>allowance,<br>however<br>there are<br>no tax<br>returns in<br>the file. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 31.56/ Maximum DTI is 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 772/Credit score minimum is 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Reserves remaining is 3mths PITI/No reserves required |
| &nbsp;&nbsp;&nbsp;583 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Credit | Income/<br>Employment | Satisfied D A | CRDINC2408 | Income<br>verification<br>does not<br>meet<br>guidelines | No | Per LP<br>one year<br>most<br>recent tax<br>return is<br>required<br>and there<br>is no<br>income<br>relief<br>allowance,<br>however<br>there are<br>no tax<br>returns in<br>the file. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 31.56/ Maximum DTI is 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 772/Credit score minimum is 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Reserves remaining is 3mths PITI/No reserves required |

---

------

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;583 | XXXXXX | XXXXXX | CO | 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>No LCA<br>score<br>established.<br>Clayton to<br>order desk<br>review. | 11/12/2025:<br>Received<br>CDA<br>supporting<br>value. | 11/12/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 31.56/ Maximum DTI is 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 772/Credit score minimum is 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Reserves remaining is 3mths PITI/No reserves required |
| &nbsp;&nbsp;&nbsp;586 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession for 14 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 786. Minimum required 786<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing Assets $142,620.33 or 50.68 months PITI reserves. No reserves required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 24.55%. Max 45% |

---

------

---

| | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &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 Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;588 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1- 25 years in profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 fico score Minimum FICO is 620 |
| &nbsp;&nbsp;&nbsp;603 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 736 mid score > min required of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer debt 0x30 x greater than 99 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $120,845.88 (20.64 months PITIA reserves) > min required reserves of $0.00 |

---

------

---

| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2025-CNF2 Securitization_J16298** |

---

**Conditions Report 2.0** 

---

| | |
|:---|:---|
| ***Loans in Report:*** | *260* |
| ***Loans with Conditions:*** | *185* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &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;1 | XXXXXX | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;8 | XXXXXX | XXXXXX | XXXXXX A | Yes |
| &nbsp;&nbsp;&nbsp;10 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;13 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;15 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;16 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;26 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;27 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;595 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;32 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;596 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;38 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;40 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;46 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;58 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;63 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;597 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;70 | XXXXXX | XXXXXX | XXXXXX D B A | No |

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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;71 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;74 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;79 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;598 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;95 | XXXXXX | XXXXXX | XXXXXX D C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;96 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;98 | XXXXXX | XXXXXX | XXXXXX D C B A | No |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;104 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;112 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;118 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | XXXXXX | XXXXXX D A C | No |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;126 | XXXXXX | XXXXXX | XXXXXX D A | Yes |
| &nbsp;&nbsp;&nbsp;127 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;130 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;134 | XXXXXX | XXXXXX | XXXXXX D A C | No |
| &nbsp;&nbsp;&nbsp;139 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | XXXXXX | XXXXXX D C A | No |
| &nbsp;&nbsp;&nbsp;146 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;599 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | XXXXXX | XXXXXX D B 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;152 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;158 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;160 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;162 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;165 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;166 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;167 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;170 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;171 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX | XXXXXX D C A | No |
| &nbsp;&nbsp;&nbsp;175 | XXXXXX | XXXXXX | XXXXXX D B A | Yes |
| &nbsp;&nbsp;&nbsp;179 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;180 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;185 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;186 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;187 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;600 | XXXXXX | XXXXXX | XXXXXX D A | Yes |
| &nbsp;&nbsp;&nbsp;192 | XXXXXX | XXXXXX | XXXXXX D B C A | No |
| &nbsp;&nbsp;&nbsp;197 | XXXXXX | XXXXXX | XXXXXX D C B A | No |
| &nbsp;&nbsp;&nbsp;198 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;203 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;205 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;208 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;210 | XXXXXX | XXXXXX | XXXXXX D B A | Yes |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;215 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;601 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;226 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;228 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;230 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;233 | 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;239 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;242 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;244 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;246 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;248 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;249 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;250 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;257 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;259 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;263 | XXXXXX | XXXXXX | XXXXXX C A | No |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;267 | XXXXXX | XXXXXX | XXXXXX D A B | No |
| &nbsp;&nbsp;&nbsp;268 | XXXXXX | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;271 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;275 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;278 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;281 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;282 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;283 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;284 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;286 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX | XXXXXX D C A B | No |
| &nbsp;&nbsp;&nbsp;289 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;291 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;293 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;299 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;300 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;302 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;303 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;311 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;313 | 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;315 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;318 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;320 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;322 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;325 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;328 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;332 | XXXXXX | XXXXXX | XXXXXX D A B | No |
| &nbsp;&nbsp;&nbsp;335 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;336 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;341 | XXXXXX | XXXXXX | XXXXXX D A C | No |
| &nbsp;&nbsp;&nbsp;343 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;346 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;348 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;350 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;353 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;356 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;360 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;362 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;363 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;364 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;368 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;370 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;372 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;376 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;377 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;381 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;384 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;385 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;387 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;388 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;389 | 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;390 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;396 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;398 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;401 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;404 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;406 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;408 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;410 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;411 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;414 | XXXXXX | XXXXXX | XXXXXX D A C | No |
| &nbsp;&nbsp;&nbsp;415 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;420 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;423 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;424 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;425 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;431 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;433 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;434 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;437 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;440 | XXXXXX | XXXXXX | XXXXXX D A B | Not Applicable |
| &nbsp;&nbsp;&nbsp;441 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;442 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;443 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;445 | XXXXXX | XXXXXX | XXXXXX A | Yes |
| &nbsp;&nbsp;&nbsp;448 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;452 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;457 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;459 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;461 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;463 | XXXXXX | XXXXXX | XXXXXX D B A C | 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;465 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;467 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;469 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;470 | XXXXXX | XXXXXX | XXXXXX D A | Yes |
| &nbsp;&nbsp;&nbsp;472 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;474 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;480 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;481 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;485 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;491 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;498 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;499 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;501 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;504 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;507 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;510 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;512 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;517 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;526 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;527 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;530 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;531 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;534 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;602 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;536 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;544 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;545 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;547 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;550 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;551 | XXXXXX | XXXXXX | XXXXXX D C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;552 | 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;556 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;563 | XXXXXX | XXXXXX | XXXXXX D B C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;565 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;569 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;572 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;575 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;580 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;581 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;583 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;586 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;588 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;603 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |

---

## Exhibit 99.3

**EXHIBIT 99.3** 

**CLAYTON RATING AGENCY ATR QM DATA FIELDS** 

------

---

| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2025-CNF2 Securitization_J16298** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *260* |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &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 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 5869.37 | XXXXXX | 6.691 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10634.24 | XXXXXX | 5.3308 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;8 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 11095.25 | XXXXXX | 6.5287 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;10 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11798 | XXXXXX | 7.0821 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5734.45 | XXXXXX | 6.8518 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;13 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4463 | XXXXXX | 6.8364 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;15 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 13031.75 | XXXXXX | 6.7759 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;16 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7774 | XXXXXX | 6.5044 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2572.75 | XXXXXX | 6.4188 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 0 |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11706 | XXXXXX | 7.081 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 0 |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 14288 | XXXXXX | 6.5249 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10468 | XXXXXX | 6.7503 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 0 |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10268 | XXXXXX | 6.6383 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;26 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10606.5 | XXXXXX | 7.1324 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 0 |
| &nbsp;&nbsp;&nbsp;27 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7664.05 | XXXXXX | 6.6219 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;595 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.8396 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;32 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7815.18 | XXXXXX | 6.3262 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;596 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1088 | XXXXXX | 6.6678 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 19942.65 | XXXXXX | 6.6874 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1088 | XXXXXX | 6.6502 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;38 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4699.2 | XXXXXX | 7.3143 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;40 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7725.5 | XXXXXX | 7.0531 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 12206.62 | XXXXXX | 6.847 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 0 |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1088 | XXXXXX | 6.5485 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1088 | XXXXXX | 6.9466 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;46 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9873.56 | XXXXXX | 6.8604 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &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 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 20859.73 | XXXXXX | 6.557 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 14598.55 | XXXXXX | 6.5698 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;58 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6383 | XXXXXX | 6.3062 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7613 | XXXXXX | 6.5854 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;63 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2967.12 | XXXXXX | 6.144 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5928.6 | XXXXXX | 6.1308 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;597 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2893.75 | XXXXXX | 6.8035 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1295 | XXXXXX | 6.9059 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;70 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 17736.7 | XXXXXX | 5.7481 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;71 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;74 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1190 | XXXXXX | 6.3245 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5200.92 | XXXXXX | 6.7573 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4400 | XXXXXX | 6.7411 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;79 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2859 | XXXXXX | 6.3165 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.2123 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.798 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.7893 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;598 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3397.8 | XXXXXX | 6.2869 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.6947 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2095 | XXXXXX | 6.675 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.5253 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;95 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2169 | XXXXXX | 6.657 | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;96 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2841.11 | XXXXXX | 6.7337 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;98 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.7956 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1495 | XXXXXX | 6.941 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;104 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1495 | XXXXXX | 6.4623 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 5393.2 | XXXXXX | 6.7936 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1510 | XXXXXX | 6.5506 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.1487 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;112 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.6344 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;118 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4316.74 | XXXXXX | 6.2722 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |

---

------

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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 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.8929 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 9697.9 | XXXXXX | 6.7477 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;126 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 11369.7 | XXXXXX | 6.8206 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;127 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4551 | XXXXXX | 6.9298 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3327.5 | XXXXXX | 6.7358 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;130 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 12134.14 | XXXXXX | 6.216 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;134 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4948.23 | XXXXXX | 6.0692 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;139 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.8357 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2427 | XXXXXX | 6.6953 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2174 | XXXXXX | 6.7822 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;146 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 13117.12 | XXXXXX | 7.0381 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 0 |
| &nbsp;&nbsp;&nbsp;599 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 873.7 | XXXXXX | 7.0387 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 6937.73 | XXXXXX | 6.6435 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;152 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.5926 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;158 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5669.38 | XXXXXX | 6.7504 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;160 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5688.47 | XXXXXX | 6.5505 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;162 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1694 | XXXXXX | 6.4177 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;165 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7092 | XXXXXX | 7.2192 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;166 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3424.44 | XXXXXX | 6.6679 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;167 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.5637 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;170 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.3877 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 0 |
| &nbsp;&nbsp;&nbsp;171 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.6837 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | ATR/QM: Status Pending | No | XXXXXX | XXXXXX | Yes | No | 5028.36 | XXXXXX | 6.8285 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;175 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1584 | XXXXXX | 7.0566 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;179 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.9296 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;180 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.5758 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.4238 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;185 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7249.79 | XXXXXX | 7.4218 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;186 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.444 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;187 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.4165 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8954 | XXXXXX | 5.867 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &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 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;600 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1569 | XXXXXX | 6.1987 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;192 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.1816 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 0 |
| &nbsp;&nbsp;&nbsp;197 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.4205 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;198 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2941.1 | XXXXXX | 6.2453 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;203 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2749 | XXXXXX | 6.2765 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 0 |
| &nbsp;&nbsp;&nbsp;205 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.1607 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;208 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 12205.4 | XXXXXX | 5.9292 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;210 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6435 | XXXXXX | 6.4993 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1985 | XXXXXX | 6.8275 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;215 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 6075.12 | XXXXXX | 6.2598 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.0886 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 19315.03 |
| &nbsp;&nbsp;&nbsp;601 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3518 | XXXXXX | 6.2275 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3897.04 | XXXXXX | 6.2884 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;226 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3861.9 | XXXXXX | 6.1599 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;228 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1945 | XXXXXX | 6.4122 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;230 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 15051.25 | XXXXXX | 6.1659 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5130 | XXXXXX | 6.828 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 0 |
| &nbsp;&nbsp;&nbsp;239 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 210.45 | XXXXXX | 6.7686 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;242 | XXXXXX | ATR/QM: Status Pending | No | XXXXXX | XXXXXX | Yes | No | 2164.95 | XXXXXX | 6.9801 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;244 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 725 | XXXXXX | 6.7731 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1460 | XXXXXX | 6.0677 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;246 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5540 | XXXXXX | 6.819 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;248 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 12738 | XXXXXX | 7.1538 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;249 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1765 | XXXXXX | 6.9777 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;250 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6096 | XXXXXX | 6.0396 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.6447 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;257 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1695 | XXXXXX | 5.533 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 975 | XXXXXX | 6.7717 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;259 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1695 | XXXXXX | 6.978 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;263 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1495 | XXXXXX | 6.7807 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 0 |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1424.81 | XXXXXX | 5.2754 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &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 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;267 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8537.5 | XXXXXX | 6.4774 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;268 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 16210 | XXXXXX | 6.5917 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;271 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1025 | XXXXXX | 6.3906 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;275 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6237.08 | XXXXXX | 6.6133 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;278 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1985 | XXXXXX | 6.5425 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 0 |
| &nbsp;&nbsp;&nbsp;281 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1985 | XXXXXX | 6.6613 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;282 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2926.6 | XXXXXX | 6.1782 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;283 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1645 | XXXXXX | 5.3131 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;284 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1480 | XXXXXX | 5.0351 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;286 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1025 | XXXXXX | 6.6681 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3074.95 | XXXXXX | 6.7076 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;289 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1625 | XXXXXX | 6.9078 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;291 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 880 | XXXXXX | 5.7706 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;293 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5016.95 | XXXXXX | 6.6369 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10555 | XXXXXX | 6.9249 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;299 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1085 | XXXXXX | 6.3234 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 0 |
| &nbsp;&nbsp;&nbsp;300 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2400 | XXXXXX | 7.1315 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;302 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1648.51 | XXXXXX | 6.2671 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 0 |
| &nbsp;&nbsp;&nbsp;303 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1000 | XXXXXX | 6.4922 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;311 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.6296 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;313 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2635.04 | XXXXXX | 6.2644 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;315 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8539 | XXXXXX | 6.7348 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 200 | XXXXXX | 5.5619 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;318 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 4799.76 | XXXXXX | 6.9192 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;320 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1960 | XXXXXX | 6.4944 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 0 |
| &nbsp;&nbsp;&nbsp;322 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1790 | XXXXXX | 6.9926 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;325 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2299 | XXXXXX | 6.9338 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;328 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 995 | XXXXXX | 6.9073 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;332 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2918.24 | XXXXXX | 7.0387 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;335 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5794.3 | XXXXXX | 6.9928 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;336 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1845 | XXXXXX | 7.1005 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

---

------

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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 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;341 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 16849.34 | XXXXXX | 6.5974 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;343 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2840 | XXXXXX | 6.6965 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;346 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1490 | XXXXXX | 6.3756 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;348 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1095 | XXXXXX | 6.6559 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;350 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4172.52 | XXXXXX | 6.5955 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;353 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1600 | XXXXXX | 6.3061 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 0 |
| &nbsp;&nbsp;&nbsp;356 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.2192 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3021.12 | XXXXXX | 5.7692 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;360 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1883 | XXXXXX | 5.5107 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;362 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1158.89 | XXXXXX | 6.0008 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;363 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.2582 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;364 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.4966 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;368 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1693 | XXXXXX | 5.6387 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;370 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2106.89 | XXXXXX | 5.5084 | Employed | Unemployed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;372 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.5114 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3606 | XXXXXX | 5.2822 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;376 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2726.43 | XXXXXX | 5.6079 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;377 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0.04 | XXXXXX | 5.4768 | Retired | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;381 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2915.49 | XXXXXX | 6.6589 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 100 | XXXXXX | 6.146 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;384 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1346.72 | XXXXXX | 6.6471 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;385 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1856.4 | XXXXXX | 6.8075 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;387 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2625 | XXXXXX | 6.4388 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 3622.64 |
| &nbsp;&nbsp;&nbsp;388 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5905.73 | XXXXXX | 5.1612 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;389 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 900 | XXXXXX | 6.1415 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;390 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 450 | XXXXXX | 6.3857 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6871.28 | XXXXXX | 6.7923 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;396 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4581.5 | XXXXXX | 5.6456 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;398 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 100 | XXXXXX | 5.9069 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;401 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1295 | XXXXXX | 6.6404 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 0 |
| &nbsp;&nbsp;&nbsp;404 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1630 | XXXXXX | 5.0457 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &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 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2224.16 | XXXXXX | 6.4567 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;406 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1325 | XXXXXX | 6.523 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;408 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3520 | XXXXXX | 6.3405 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;410 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5316.9 | XXXXXX | 5.6482 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;411 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.8997 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;414 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1748 | XXXXXX | 6.6538 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;415 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3858.2 | XXXXXX | 6.7933 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5117.56 | XXXXXX | 7.0976 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;420 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1690 | XXXXXX | 5.2766 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;423 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1539 | XXXXXX | 6.7065 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;424 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1985 | XXXXXX | 7.0853 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;425 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2035 | XXXXXX | 6.4309 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;431 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 10295 | XXXXXX | 6.7762 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;433 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 12600 | XXXXXX | 6.7683 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;434 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3654.8 | XXXXXX | 6.3434 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;437 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2025.08 | XXXXXX | 5.9363 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;440 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.9836 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;441 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1495 | XXXXXX | 6.3987 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;442 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 75 | XXXXXX | 6.6395 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;443 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2712.78 | XXXXXX | 6.5554 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;445 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5193.2 | XXXXXX | 6.9732 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;448 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2080.4 | XXXXXX | 6.5424 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1640 | XXXXXX | 7.1119 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;452 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.6502 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 16815.3 | XXXXXX | 7.1171 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;457 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6695 | XXXXXX | 6.5229 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;459 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8695 | XXXXXX | 6.616 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;461 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 250 | XXXXXX | 6.3803 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;463 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2165 | XXXXXX | 6.7007 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;465 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2974.82 | XXXXXX | 6.564 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;467 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 4832 | XXXXXX | 6.8899 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &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 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;469 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1790 | XXXXXX | 6.9324 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;470 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10849.75 | XXXXXX | 7.0109 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;472 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2894.5 | XXXXXX | 6.4479 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;474 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1940 | XXXXXX | 7.0545 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;480 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1795 | XXXXXX | 6.6528 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;481 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9830.09 | XXXXXX | 7.0314 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;485 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1735 | XXXXXX | 6.9229 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1985 | XXXXXX | 6.4206 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;491 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 19580 | XXXXXX | 7.0189 | Employed | Unemployed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;498 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7523 | XXXXXX | 6.9799 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;499 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4992.48 | XXXXXX | 6.896 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 0 |
| &nbsp;&nbsp;&nbsp;501 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1590 | XXXXXX | 6.6265 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;504 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1695 | XXXXXX | 7.0043 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;507 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2217 | XXXXXX | 6.3914 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;510 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11935.5 | XXXXXX | 6.9789 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1450 | XXXXXX | 6.4104 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;512 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8175 | XXXXXX | 6.8933 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;517 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2725 | XXXXXX | 6.2049 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3285 | XXXXXX | 6.6916 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;526 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 8463.25 | XXXXXX | 6.7718 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;527 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1435 | XXXXXX | 6.6545 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;530 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3403.68 | XXXXXX | 6.8423 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;531 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2241.88 | XXXXXX | 6.7041 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;534 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 480 | XXXXXX | 5.1315 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;602 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5057.8 | XXXXXX | 4.925 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;536 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.3682 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;544 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1295 | XXXXXX | 6.7973 | Employed | Unemployed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;545 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 399.19 | XXXXXX | 5.0609 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;547 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2987.66 | XXXXXX | 7.004 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2190 | XXXXXX | 6.2207 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;550 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.7501 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 0 |

---

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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 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;551 | XXXXXX | ATR/QM: Status Pending | No | XXXXXX | XXXXXX | Yes | No | 2985.63 | XXXXXX | 7.0048 | Employed | Unemployed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;552 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1095 | XXXXXX | 6.2842 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;556 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2050.5 | XXXXXX | 5.0072 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 0 |
| &nbsp;&nbsp;&nbsp;563 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1695 | XXXXXX | 6.6749 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;565 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.3882 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5766 | XXXXXX | 4.7987 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3165 | XXXXXX | 4.9417 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;569 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1490 | XXXXXX | 5.0369 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1500 | XXXXXX | 5.0637 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;572 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1800 | XXXXXX | 5.5313 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;575 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 125 | XXXXXX | 5.014 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;580 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1650 | XXXXXX | 6.1501 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;581 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 525 | XXXXXX | 4.8589 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;583 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2447.88 | XXXXXX | 5.0781 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;586 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 125 | XXXXXX | 5.2775 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 0 |
| &nbsp;&nbsp;&nbsp;588 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3262.75 | XXXXXX | 5.2073 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;603 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1250 | XXXXXX | 6.4019 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |

---

<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.

## Exhibit 99.4

**EXHIBIT 99.4** 

**CLAYTON LOAN LEVEL TAPE COMPARE UPLOAD** 

------

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| | |
|:---|:---|
| **Client Name:** | PennyMac |
| **Client Project Name:** | PNMAC PMTLT 2025-CNF2 Securitization_J16298 |

---

**Loan Level Tape Compare Upload**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX | Appraisal Form Type | Property Inspection Waiver | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | XXXXXX | Cash Reserves | 128029.34 | 23346.65 |
| &nbsp;&nbsp;&nbsp;8 | XXXXXX | XXXXXX | Cash Reserves | 257801.29 | 58793.53 |
| &nbsp;&nbsp;&nbsp;10 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;10 | XXXXXX | XXXXXX | Cash Reserves | 84345.39 | 19625.87 |
| &nbsp;&nbsp;&nbsp;16 | XXXXXX | XXXXXX | Cash Reserves | 522741.19 | 86986.40 |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | XXXXXX | Cash Reserves | 37004.22 | 55241.22 |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | XXXXXX | Borrower 1 Total Income | 6500.00 | 8583.33 |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | XXXXXX | Cash Reserves | 23492.30 | 16071.32 |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | XXXXXX | Cash Reserves | 272182.09 | 173220.41 |
| &nbsp;&nbsp;&nbsp;26 | XXXXXX | XXXXXX | Borrower 1 Total Income | 4419.00 | 8082.35 |
| &nbsp;&nbsp;&nbsp;26 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 33.3800 | 29.7295 |
| &nbsp;&nbsp;&nbsp;32 | XXXXXX | XXXXXX | Cash Reserves | 326053.66 | 165589.59 |
| &nbsp;&nbsp;&nbsp;596 | XXXXXX | XXXXXX | Cash Reserves | 612491.03 | 218469.97 |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | XXXXXX | Cash Reserves | 475440.59 | 40457.07 |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | Cash Reserves | 80245.71 | 18136.89 |
| &nbsp;&nbsp;&nbsp;38 | XXXXXX | XXXXXX | Cash Reserves | 4294.62 | 18086.35 |
| &nbsp;&nbsp;&nbsp;38 | XXXXXX | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | Borrower 1 Total Income | 3000.00 | 12979.00 |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | Cash Reserves | 158782.14 | 16895.52 |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | XXXXXX | Cash Reserves | 153421.71 | 73690.98 |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | XXXXXX | Cash Reserves | 171367.09 | 53717.94 |
| &nbsp;&nbsp;&nbsp;46 | XXXXXX | XXXXXX | Cash Reserves | 150905.03 | 31683.36 |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | XXXXXX | Cash Reserves | 254206.76 | 77394.89 |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | XXXXXX | Cash Reserves | 137728.54 | 98976.38 |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 32.2100 | 24.2208 |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | XXXXXX | Total Monthly Income | 40735.00 | 54139.33 |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | Cash Reserves | 70777.37 | 129319.08 |
| &nbsp;&nbsp;&nbsp;63 | XXXXXX | XXXXXX | Cash Reserves | 14242.32 | 290369.90 |
| &nbsp;&nbsp;&nbsp;597 | XXXXXX | XXXXXX | Cash Reserves | 32.90 | 0.00 |
| &nbsp;&nbsp;&nbsp;597 | XXXXXX | XXXXXX | Origination Channel | Broker | Retail |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | XXXXXX | Cash Reserves | 8940.52 | 17977.36 |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | XXXXXX | Origination Channel | Broker | Correspondent Bulk |
| &nbsp;&nbsp;&nbsp;70 | XXXXXX | XXXXXX | Borrower 1 Total Income | 6839.00 | 11779.17 |
| &nbsp;&nbsp;&nbsp;70 | XXXXXX | XXXXXX | Cash Reserves | 310335.29 | 57654.29 |
| &nbsp;&nbsp;&nbsp;70 | XXXXXX | XXXXXX | Origination Channel | Broker | Correspondent Flow with delegated underwriting |
| &nbsp;&nbsp;&nbsp;71 | XXXXXX | XXXXXX | Origination Channel | Broker | Correspondent Bulk |
| &nbsp;&nbsp;&nbsp;74 | XXXXXX | XXXXXX | Origination Channel | Broker | Correspondent Bulk |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | XXXXXX | Cash Reserves | 237183.61 | 95299.35 |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | XXXXXX | Origination Channel | Broker | Correspondent Bulk |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | Detached PUD |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | XXXXXX | Borrower 1 Total Income | 6250.00 | 9701.72 |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | XXXXXX | Cash Reserves | 136986.65 | 32995.35 |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | XXXXXX | Origination Channel | Broker | Correspondent Bulk |
| &nbsp;&nbsp;&nbsp;79 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;79 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;79 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;79 | XXXXXX | XXXXXX | Origination Channel | Broker | Correspondent Bulk |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | XXXXXX | Cash Reserves | 568216.10 | 87438.72 |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1004C Manuf (Mar 05) |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | XXXXXX | Cash Reserves | 241248.71 | 88168.93 |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | XXXXXX | Property Type | SFR | Manufactured (Dbl) |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX | Cash Reserves | 198822.21 | 8456.71 |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | XXXXXX | Cash Reserves | 333526.64 | 188836.84 |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | XXXXXX | Cash Reserves | 162900.12 | 70095.88 |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | XXXXXX | Cash Reserves | 353639.39 | 178310.22 |
| &nbsp;&nbsp;&nbsp;95 | XXXXXX | XXXXXX | Cash Reserves | 800753.95 | 26456.10 |
| &nbsp;&nbsp;&nbsp;96 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;96 | XXXXXX | XXXXXX | Cash Reserves | 200681.54 | 69136.72 |
| &nbsp;&nbsp;&nbsp;98 | XXXXXX | XXXXXX | Cash Reserves | 191063.75 | 5367.26 |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | XXXXXX | Cash Reserves | 160872.23 | 56349.59 |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 37.9700 | 42.1862 |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | XXXXXX | Cash Reserves | 63126.89 | 32406.05 |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | XXXXXX | Cash Reserves | 266811.70 | 24010.13 |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | XXXXXX | Borrower 1 Total Income | 11250.00 | 14605.79 |
| &nbsp;&nbsp;&nbsp;112 | XXXXXX | XXXXXX | Borrower 1 Total Income | 15768.00 | 22413.04 |
| &nbsp;&nbsp;&nbsp;112 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.1700 | 40.9491 |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | XXXXXX | Borrower 1 Total Income | 4167.00 | 12569.36 |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | XXXXXX | Cash Reserves | 264816.67 | 12008.05 |
| &nbsp;&nbsp;&nbsp;134 | XXXXXX | XXXXXX | Cash Reserves | 587804.78 | 345563.01 |
| &nbsp;&nbsp;&nbsp;139 | XXXXXX | XXXXXX | Cash Reserves | 382018.71 | 100254.13 |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | XXXXXX | Cash Reserves | 176510.68 | 48986.88 |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;152 | XXXXXX | XXXXXX | Cash Reserves | 175532.45 | 47251.13 |
| &nbsp;&nbsp;&nbsp;160 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;162 | XXXXXX | XXXXXX | Cash Reserves | 932578.63 | 403063.04 |
| &nbsp;&nbsp;&nbsp;162 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;167 | XXXXXX | XXXXXX | Cash Reserves | 506769.37 | 164391.60 |
| &nbsp;&nbsp;&nbsp;171 | XXXXXX | XXXXXX | Cash Reserves | 232105.14 | 43919.79 |
| &nbsp;&nbsp;&nbsp;175 | XXXXXX | XXXXXX | Cash Reserves | 275931.49 | 179607.75 |
| &nbsp;&nbsp;&nbsp;175 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;179 | XXXXXX | XXXXXX | Borrower 1 Total Income | 6488.00 | 11604.41 |
| &nbsp;&nbsp;&nbsp;179 | XXXXXX | XXXXXX | Cash Reserves | 75143.66 | 12285.97 |
| &nbsp;&nbsp;&nbsp;180 | XXXXXX | XXXXXX | Cash Reserves | 242266.51 | 108638.94 |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | XXXXXX | Cash Reserves | 453500.56 | 61400.66 |
| &nbsp;&nbsp;&nbsp;185 | XXXXXX | XXXXXX | Borrower 1 Total Income | 2455.00 | 6561.44 |
| &nbsp;&nbsp;&nbsp;185 | XXXXXX | XXXXXX | Cash Reserves | 49.72 | 0.00 |
| &nbsp;&nbsp;&nbsp;186 | XXXXXX | XXXXXX | Cash Reserves | 1122166.36 | 335698.86 |
| &nbsp;&nbsp;&nbsp;186 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;600 | XXXXXX | XXXXXX | Borrower 1 Total Income | 8827.00 | 11891.00 |
| &nbsp;&nbsp;&nbsp;600 | XXXXXX | XXXXXX | Cash Reserves | 248805.99 | 10613.61 |
| &nbsp;&nbsp;&nbsp;192 | XXXXXX | XXXXXX | Cash Reserves | 591055.39 | 325423.54 |
| &nbsp;&nbsp;&nbsp;192 | XXXXXX | XXXXXX | Total Monthly Income | 18499.00 | 13094.37 |
| &nbsp;&nbsp;&nbsp;197 | XXXXXX | XXXXXX | Cash Reserves | 237487.92 | 31236.94 |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX | Borrower 1 Total Income | 11875.00 | 17276.09 |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;215 | XXXXXX | XXXXXX | Borrower 1 Total Income | 10000.00 | 43570.94 |
| &nbsp;&nbsp;&nbsp;601 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;226 | XXXXXX | XXXXXX | Cash Reserves | 137043.47 | 202187.55 |
| &nbsp;&nbsp;&nbsp;228 | XXXXXX | XXXXXX | Cash Reserves | 286574.62 | 419093.22 |
| &nbsp;&nbsp;&nbsp;228 | XXXXXX | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;230 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;230 | XXXXXX | XXXXXX | Cash Reserves | 579600.45 | 129396.97 |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;239 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1004C Manuf (Mar 05) |
| &nbsp;&nbsp;&nbsp;239 | XXXXXX | XXXXXX | Borrower 1 Total Income | 16314.13 | 35769.83 |
| &nbsp;&nbsp;&nbsp;239 | XXXXXX | XXXXXX | Cash Reserves | 70210.37 | 0.00 |
| &nbsp;&nbsp;&nbsp;239 | XXXXXX | XXXXXX | Property Type | SFR | Manufactured (Dbl) |
| &nbsp;&nbsp;&nbsp;242 | XXXXXX | XXXXXX | Occupancy Type | Primary | Second Home |
| &nbsp;&nbsp;&nbsp;244 | XXXXXX | XXXXXX | Cash Reserves | 5493.42 | 3887.98 |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | XXXXXX | Cash Reserves | 100073.21 | 30512.69 |
| &nbsp;&nbsp;&nbsp;246 | XXXXXX | XXXXXX | Cash Reserves | 278677.28 | 98993.89 |
| &nbsp;&nbsp;&nbsp;246 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| &nbsp;&nbsp;&nbsp;248 | XXXXXX | XXXXXX | Borrower 1 Total Income | 3252.00 | 12691.08 |
| &nbsp;&nbsp;&nbsp;248 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;248 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;249 | XXXXXX | XXXXXX | Cash Reserves | 103094.53 | 8944.69 |
| &nbsp;&nbsp;&nbsp;250 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | XXXXXX | Cash Reserves | 171655.66 | 25890.54 |
| &nbsp;&nbsp;&nbsp;257 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;257 | XXXXXX | XXXXXX | Cash Reserves | 414254.95 | 121343.72 |
| &nbsp;&nbsp;&nbsp;259 | XXXXXX | XXXXXX | Borrower 1 Total Income | 5452.92 | 13962.92 |
| &nbsp;&nbsp;&nbsp;259 | XXXXXX | XXXXXX | Cash Reserves | 101565.35 | 315271.52 |
| &nbsp;&nbsp;&nbsp;259 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | XXXXXX | Cash Reserves | 146404.46 | 7657.46 |
| &nbsp;&nbsp;&nbsp;275 | XXXXXX | XXXXXX | Cash Reserves | 235887.28 | 58982.31 |
| &nbsp;&nbsp;&nbsp;275 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 27.4580 | 37.4962 |
| &nbsp;&nbsp;&nbsp;278 | XXXXXX | XXXXXX | Cash Reserves | 206548.63 | 65006.12 |
| &nbsp;&nbsp;&nbsp;281 | XXXXXX | XXXXXX | Cash Reserves | 239269.71 | 35536.41 |
| &nbsp;&nbsp;&nbsp;283 | XXXXXX | XXXXXX | Cash Reserves | 311007.67 | 230762.79 |
| &nbsp;&nbsp;&nbsp;284 | XXXXXX | XXXXXX | Cash Reserves | 258759.18 | 104335.78 |
| &nbsp;&nbsp;&nbsp;286 | XXXXXX | XXXXXX | Borrower 1 Total Income | 3033.33 | 20405.67 |
| &nbsp;&nbsp;&nbsp;286 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 46.5230 | 31.9513 |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX | Borrower 1 Date of Birth | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX | Cash Reserves | 583706.40 | 202990.50 |
| &nbsp;&nbsp;&nbsp;289 | XXXXXX | XXXXXX | Cash Reserves | 145073.23 | 186783.27 |
| &nbsp;&nbsp;&nbsp;291 | XXXXXX | XXXXXX | Cash Reserves | 152763.36 | 474800.64 |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | Cash Reserves | 206837.25 | 51159.57 |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;299 | XXXXXX | XXXXXX | Cash Reserves | 126248.00 | 8854.21 |
| &nbsp;&nbsp;&nbsp;299 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;300 | XXXXXX | XXXXXX | Cash Reserves | 120589.00 | 24502.67 |
| &nbsp;&nbsp;&nbsp;302 | XXXXXX | XXXXXX | Cash Reserves | 251986.07 | 145389.89 |
| &nbsp;&nbsp;&nbsp;303 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;303 | XXXXXX | XXXXXX | Cash Reserves | 100072.01 | 38558.29 |
| &nbsp;&nbsp;&nbsp;313 | XXXXXX | XXXXXX | Cash Reserves | 225519.97 | 20915.10 |
| &nbsp;&nbsp;&nbsp;315 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | XXXXXX | Cash Reserves | 754743.20 | 480232.33 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;318 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;318 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;320 | XXXXXX | XXXXXX | Cash Reserves | 203863.40 | 92712.82 |
| &nbsp;&nbsp;&nbsp;322 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;325 | XXXXXX | XXXXXX | Cash Reserves | 134572.61 | 7732.96 |
| &nbsp;&nbsp;&nbsp;328 | XXXXXX | XXXXXX | Cash Reserves | 389143.43 | 261219.36 |
| &nbsp;&nbsp;&nbsp;332 | XXXXXX | XXXXXX | Cash Reserves | 129733.02 | 29665.08 |
| &nbsp;&nbsp;&nbsp;335 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;335 | XXXXXX | XXXXXX | Borrower 1 Total Income | 33029.00 | 43840.62 |
| &nbsp;&nbsp;&nbsp;335 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| &nbsp;&nbsp;&nbsp;336 | XXXXXX | XXXXXX | Cash Reserves | 96652.85 | 19963.70 |
| &nbsp;&nbsp;&nbsp;336 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;341 | XXXXXX | XXXXXX | Borrower 1 Total Income | 11530.58 | 18893.65 |
| &nbsp;&nbsp;&nbsp;341 | XXXXXX | XXXXXX | Cash Reserves | 161011.00 | 245557.71 |
| &nbsp;&nbsp;&nbsp;341 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;343 | XXXXXX | XXXXXX | Cash Reserves | 217155.22 | 72723.39 |
| &nbsp;&nbsp;&nbsp;343 | XXXXXX | XXXXXX | Origination Channel | Correspondent Flow without delegated underwriting | Correspondent Flow with delegated underwriting |
| &nbsp;&nbsp;&nbsp;346 | XXXXXX | XXXXXX | Cash Reserves | 346414.23 | 229929.00 |
| &nbsp;&nbsp;&nbsp;348 | XXXXXX | XXXXXX | Borrower 1 Total Income | 7484.37 | 11764.96 |
| &nbsp;&nbsp;&nbsp;348 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 44.1260 | 31.3123 |
| &nbsp;&nbsp;&nbsp;348 | XXXXXX | XXXXXX | Total Monthly Income | 21395.00 | 29371.18 |
| &nbsp;&nbsp;&nbsp;350 | XXXXXX | XXXXXX | Cash Reserves | 290413.16 | 17958.40 |
| &nbsp;&nbsp;&nbsp;350 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;353 | XXXXXX | XXXXXX | Cash Reserves | 139659.02 | 40892.86 |
| &nbsp;&nbsp;&nbsp;356 | XXXXXX | XXXXXX | Cash Reserves | 145000.00 | 30885.02 |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | XXXXXX | Cash Reserves | 192912.72 | 141117.74 |
| &nbsp;&nbsp;&nbsp;360 | XXXXXX | XXXXXX | Cash Reserves | 90500.00 | 3224.81 |
| &nbsp;&nbsp;&nbsp;362 | XXXXXX | XXXXXX | Cash Reserves | 314961.97 | 109618.52 |
| &nbsp;&nbsp;&nbsp;363 | XXXXXX | XXXXXX | Cash Reserves | 200537.88 | 32231.69 |
| &nbsp;&nbsp;&nbsp;363 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;364 | XXXXXX | XXXXXX | Cash Reserves | 108185.91 | 31877.62 |
| &nbsp;&nbsp;&nbsp;368 | XXXXXX | XXXXXX | Cash Reserves | 193550.96 | 71900.67 |
| &nbsp;&nbsp;&nbsp;370 | XXXXXX | XXXXXX | Cash Reserves | 92859.99 | 2036.74 |
| &nbsp;&nbsp;&nbsp;372 | XXXXXX | XXXXXX | Cash Reserves | 157410.14 | 40942.48 |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | XXXXXX | Cash Reserves | 100000.00 | 60573.50 |
| &nbsp;&nbsp;&nbsp;376 | XXXXXX | XXXXXX | Cash Reserves | 112875.04 | 49346.07 |
| &nbsp;&nbsp;&nbsp;377 | XXXXXX | XXXXXX | Cash Reserves | 102413.41 | 26013.41 |
| &nbsp;&nbsp;&nbsp;381 | XXXXXX | XXXXXX | Cash Reserves | 136400.00 | 10303.19 |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | XXXXXX | Cash Reserves | 193010.33 | 56742.36 |
| &nbsp;&nbsp;&nbsp;384 | XXXXXX | XXXXXX | Cash Reserves | 181344.34 | 13830.11 |
| &nbsp;&nbsp;&nbsp;385 | XXXXXX | XXXXXX | Cash Reserves | 241543.96 | 50391.20 |
| &nbsp;&nbsp;&nbsp;387 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;387 | XXXXXX | XXXXXX | Cash Reserves | 190935.98 | 107221.90 |
| &nbsp;&nbsp;&nbsp;387 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;388 | XXXXXX | XXXXXX | Cash Reserves | 351730.66 | 167993.14 |
| &nbsp;&nbsp;&nbsp;389 | XXXXXX | XXXXXX | Cash Reserves | 569766.74 | 358757.48 |
| &nbsp;&nbsp;&nbsp;390 | XXXXXX | XXXXXX | Borrower 2 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1004C Manuf (Mar 05) |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | XXXXXX | Cash Reserves | 0.01 | 0.00 |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | XXXXXX | Property Type | SFR | Manufactured (Dbl) |
| &nbsp;&nbsp;&nbsp;396 | XXXXXX | XXXXXX | Borrower 1 Total Income | 7212.40 | 15298.48 |
| &nbsp;&nbsp;&nbsp;396 | XXXXXX | XXXXXX | Cash Reserves | 266856.00 | 166915.11 |
| &nbsp;&nbsp;&nbsp;398 | XXXXXX | XXXXXX | Cash Reserves | 175000.00 | 68615.82 |
| &nbsp;&nbsp;&nbsp;401 | 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;401 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| &nbsp;&nbsp;&nbsp;404 | XXXXXX | XXXXXX | Cash Reserves | 113703.93 | 7905.13 |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | XXXXXX | Borrower 1 Total Income | 6800.00 | 12300.00 |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | XXXXXX | Cash Reserves | 214834.14 | 60872.29 |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;406 | XXXXXX | XXXXXX | Cash Reserves | 128462.70 | 43747.39 |
| &nbsp;&nbsp;&nbsp;408 | XXXXXX | XXXXXX | Cash Reserves | 370934.00 | 260408.12 |
| &nbsp;&nbsp;&nbsp;408 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 32.3660 | 40.9791 |
| &nbsp;&nbsp;&nbsp;410 | XXXXXX | XXXXXX | Cash Reserves | 94883.62 | 15812.21 |
| &nbsp;&nbsp;&nbsp;415 | XXXXXX | XXXXXX | Cash Reserves | 223334.27 | 119130.10 |
| &nbsp;&nbsp;&nbsp;420 | XXXXXX | XXXXXX | Cash Reserves | 375821.74 | 63256.49 |
| &nbsp;&nbsp;&nbsp;420 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;420 | XXXXXX | XXXXXX | Sales Price | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;423 | XXXXXX | XXXXXX | Cash Reserves | 189077.50 | 138496.62 |
| &nbsp;&nbsp;&nbsp;423 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | SFR |
| &nbsp;&nbsp;&nbsp;424 | XXXXXX | XXXXXX | Cash Reserves | 1.00 | 0.00 |
| &nbsp;&nbsp;&nbsp;431 | XXXXXX | XXXXXX | Cash Reserves | 319291.52 | 130494.97 |
| &nbsp;&nbsp;&nbsp;431 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;433 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;437 | XXXXXX | XXXXXX | Cash Reserves | 335119.82 | 208612.58 |
| &nbsp;&nbsp;&nbsp;440 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;440 | XXXXXX | XXXXXX | Cash Reserves | 370645.34 | 176886.70 |
| &nbsp;&nbsp;&nbsp;441 | XXXXXX | XXXXXX | Cash Reserves | 335209.08 | 221040.53 |
| &nbsp;&nbsp;&nbsp;441 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 22.8920 | 19.3529 |
| &nbsp;&nbsp;&nbsp;443 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;443 | XXXXXX | XXXXXX | Cash Reserves | 771925.00 | 532168.26 |
| &nbsp;&nbsp;&nbsp;445 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;445 | XXXXXX | XXXXXX | Cash Reserves | 153406.37 | 3464.35 |
| &nbsp;&nbsp;&nbsp;448 | XXXXXX | XXXXXX | Cash Reserves | 185884.25 | 93997.01 |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | XXXXXX | Cash Reserves | 198795.57 | 99575.10 |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | XXXXXX | Cash Reserves | 191992.00 | 47504.13 |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;457 | XXXXXX | XXXXXX | Cash Reserves | 131921.55 | 10996.73 |
| &nbsp;&nbsp;&nbsp;459 | XXXXXX | XXXXXX | Cash Reserves | 804475.00 | 325821.48 |
| &nbsp;&nbsp;&nbsp;459 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;461 | XXXXXX | XXXXXX | Cash Reserves | 196448.49 | 20739.06 |
| &nbsp;&nbsp;&nbsp;463 | XXXXXX | XXXXXX | Cash Reserves | 95284.19 | 13297.76 |
| &nbsp;&nbsp;&nbsp;465 | XXXXXX | XXXXXX | Cash Reserves | 201306.34 | 23350.40 |
| &nbsp;&nbsp;&nbsp;467 | XXXXXX | XXXXXX | Borrower 1 Total Income | 2500.00 | 5761.93 |
| &nbsp;&nbsp;&nbsp;469 | XXXXXX | XXXXXX | Cash Reserves | 60404.61 | 25135.17 |
| &nbsp;&nbsp;&nbsp;470 | XXXXXX | XXXXXX | Cash Reserves | 106327.75 | 52599.48 |
| &nbsp;&nbsp;&nbsp;470 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;472 | XXXXXX | XXXXXX | Cash Reserves | 155028.50 | 57767.11 |
| &nbsp;&nbsp;&nbsp;474 | XXXXXX | XXXXXX | Cash Reserves | 231732.58 | 53342.55 |
| &nbsp;&nbsp;&nbsp;480 | XXXXXX | XXXXXX | Cash Reserves | 13317.05 | 4453.53 |
| &nbsp;&nbsp;&nbsp;481 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | XXXXXX | Cash Reserves | 154033.41 | 17990.40 |
| &nbsp;&nbsp;&nbsp;491 | XXXXXX | XXXXXX | Cash Reserves | 167245.84 | 67631.35 |
| &nbsp;&nbsp;&nbsp;491 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;498 | XXXXXX | XXXXXX | Cash Reserves | 184616.96 | 34943.30 |
| &nbsp;&nbsp;&nbsp;498 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;499 | XXXXXX | XXXXXX | Cash Reserves | 210146.76 | 86931.76 |
| &nbsp;&nbsp;&nbsp;501 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;501 | XXXXXX | XXXXXX | Cash Reserves | 210743.68 | 45505.10 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;501 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| &nbsp;&nbsp;&nbsp;504 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;504 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| &nbsp;&nbsp;&nbsp;507 | XXXXXX | XXXXXX | Cash Reserves | 97000.00 | 24649.05 |
| &nbsp;&nbsp;&nbsp;510 | XXXXXX | XXXXXX | Cash Reserves | 156928.60 | 43559.38 |
| &nbsp;&nbsp;&nbsp;510 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | XXXXXX | Cash Reserves | 202213.27 | 20709.27 |
| &nbsp;&nbsp;&nbsp;512 | XXXXXX | XXXXXX | Cash Reserves | 303228.70 | 24993.03 |
| &nbsp;&nbsp;&nbsp;517 | XXXXXX | XXXXXX | Borrower 1 Total Income | 6077.54 | 7932.54 |
| &nbsp;&nbsp;&nbsp;517 | XXXXXX | XXXXXX | Cash Reserves | 212560.85 | 32796.27 |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | XXXXXX | Cash Reserves | 138356.58 | 57641.73 |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| &nbsp;&nbsp;&nbsp;526 | XXXXXX | XXXXXX | Cash Reserves | 317445.70 | 157755.36 |
| &nbsp;&nbsp;&nbsp;527 | XXXXXX | XXXXXX | Cash Reserves | 339258.60 | 217429.20 |
| &nbsp;&nbsp;&nbsp;531 | XXXXXX | XXXXXX | Cash Reserves | 500082.41 | 694556.85 |
| &nbsp;&nbsp;&nbsp;534 | XXXXXX | XXXXXX | Cash Reserves | 108632.14 | 11986.99 |
| &nbsp;&nbsp;&nbsp;602 | XXXXXX | XXXXXX | Cash Reserves | 142230.25 | 24230.25 |
| &nbsp;&nbsp;&nbsp;536 | XXXXXX | XXXXXX | Cash Reserves | 205911.40 | 59132.37 |
| &nbsp;&nbsp;&nbsp;545 | XXXXXX | XXXXXX | Cash Reserves | 89020.52 | 21465.06 |
| &nbsp;&nbsp;&nbsp;547 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;547 | XXXXXX | XXXXXX | Cash Reserves | 98732.03 | 4288.18 |
| &nbsp;&nbsp;&nbsp;547 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | XXXXXX | Cash Reserves | 140021.36 | 367398.70 |
| &nbsp;&nbsp;&nbsp;551 | XXXXXX | XXXXXX | Cash Reserves | 41399.45 | 10912.07 |
| &nbsp;&nbsp;&nbsp;552 | XXXXXX | XXXXXX | Cash Reserves | 191239.25 | 87506.25 |
| &nbsp;&nbsp;&nbsp;556 | XXXXXX | XXXXXX | Cash Reserves | 109000.00 | 16657.71 |
| &nbsp;&nbsp;&nbsp;563 | XXXXXX | XXXXXX | Cash Reserves | 348090.46 | 171814.98 |
| &nbsp;&nbsp;&nbsp;565 | XXXXXX | XXXXXX | Cash Reserves | 270148.36 | 22028.92 |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | XXXXXX | Borrower 1 Total Income | 17374.84 | 24849.38 |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | XXXXXX | Cash Reserves | 125855.67 | 17956.08 |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 25.5880 | 18.9517 |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | XXXXXX | Total Monthly Income | 23650.00 | 31124.05 |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | XXXXXX | Cash Reserves | 428038.33 | 75190.51 |
| &nbsp;&nbsp;&nbsp;569 | XXXXXX | XXXXXX | Borrower 1 Total Income | 1724.28 | 4661.98 |
| &nbsp;&nbsp;&nbsp;569 | XXXXXX | XXXXXX | Cash Reserves | 116055.61 | 43193.77 |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | XXXXXX | Borrower 1 Total Income | 33500.00 | 62032.91 |
| &nbsp;&nbsp;&nbsp;572 | XXXXXX | XXXXXX | Cash Reserves | 112286.23 | 18380.54 |
| &nbsp;&nbsp;&nbsp;575 | XXXXXX | XXXXXX | Cash Reserves | 349921.97 | 198846.63 |
| &nbsp;&nbsp;&nbsp;581 | XXXXXX | XXXXXX | Cash Reserves | 189461.60 | 16451.60 |
| &nbsp;&nbsp;&nbsp;583 | XXXXXX | XXXXXX | Cash Reserves | 98364.65 | 11548.14 |
| &nbsp;&nbsp;&nbsp;583 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;586 | XXXXXX | XXXXXX | Cash Reserves | 241256.86 | 142620.33 |
| &nbsp;&nbsp;&nbsp;588 | XXXXXX | XXXXXX | Cash Reserves | 203460.86 | 4545.34 |
| &nbsp;&nbsp;&nbsp;603 | XXXXXX | XXXXXX | Cash Reserves | 190092.51 | 13843.88 |

---

<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.

## Exhibit 99.5

**EXHIBIT 99.5** 

**CLAYTON VALUATIONS SUMMARY** 

------

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| | |
|:---|:---|
| **Client Name:** | PennyMac |
| **Client Project Name:** | PNMAC PMTLT 2025-CNF2 Securitization_J16298 |
| **Valuations Summary** |  |
| *Loans in Report:* | *260* |

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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;**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%** | **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%** | **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 -<br>Valuation<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **CU / LCA<br>Score** | **Valuation<br>Comments** |
| &nbsp;&nbsp;&nbsp;&nbsp; 1 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  | 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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 6 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 2.56% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 8 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 10 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 12 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 13 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 15 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 16 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 20 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 13.64% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 21 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 22 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  | 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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -8.82% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 23 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 25 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 26 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 27 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 595 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 32 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.62% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 596 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 33 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 35 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  |  |  |  | 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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 38 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 40 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 42 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 44 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 45 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 46 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.48% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 49 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 57 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 58 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.99% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 60 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 63 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | 0.51% | XXXXXX | XXXXXX | XXXXXX | -10.10% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 67 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  | 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% | XXXXXX | XXXXXX | XXXXXX | -1.94% | XXXXXX | XXXXXX | XXXXXX | -15.32% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 597 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 69 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 10.09% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 70 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 71 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 14.20% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 74 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 75 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 76 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 3.73% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 79 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 81 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |

---

------

---

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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;**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%** | **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%** | **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 -<br>Valuation<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **CU / LCA<br>Score** | **Valuation<br>Comments** |
| &nbsp;&nbsp;&nbsp;&nbsp; 82 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C<br>Manuf<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 84 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 598 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 89 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 29.53% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 91 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 92 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 95 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 96 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 3.41% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 98 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  | 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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 102 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 104 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 105 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 107 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.27% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 111 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 112 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 118 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 121 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 125 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 126 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 127 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 129 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 130 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 3.70% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 134 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 139 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.67% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 140 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 144 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 146 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 599 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 36.25% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 150 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 3.41% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 152 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 158 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 160 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -5.63% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 162 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -1.29% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 165 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 166 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 167 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 170 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 5.18% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 171 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.91% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 174 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 175 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.41% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 179 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 180 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.05% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 183 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 185 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 186 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 187 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.27% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 190 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 600 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 192 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 197 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -6.88% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |

---

------

---

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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;**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%** | **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%** | **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 -<br>Valuation<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **CU / LCA<br>Score** | **Valuation<br>Comments** |
| &nbsp;&nbsp;&nbsp;&nbsp; 198 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 203 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.06% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 205 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -4.76% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 208 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 210 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 7.83% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 213 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 215 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 217 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 601 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 220 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.35% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 226 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -9.36% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 228 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 230 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 233 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 239 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C<br>Manuf<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 242 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 244 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  | 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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 245 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 246 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -7.04% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 248 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  | 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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 2.76% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 249 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 250 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 255 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 257 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 258 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 259 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.16% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 263 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 264 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 267 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -12.32% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -5.41% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 268 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 271 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 275 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 278 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 281 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.32% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 282 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 283 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 284 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 286 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 287 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.22% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 289 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 291 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 293 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -3.85% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 298 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 299 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 300 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -4.76% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 302 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 303 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 311 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |  |

---

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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;**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%** | **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%** | **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 -<br>Valuation<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **CU / LCA<br>Score** | **Valuation<br>Comments** |
| &nbsp;&nbsp;&nbsp;&nbsp; 313 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 315 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 8.30% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 317 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 318 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  | 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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 320 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 322 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 325 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 328 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 332 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  | 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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 335 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 336 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 341 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 343 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 346 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 348 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.68% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 350 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 5.20% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 353 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 6.80% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 356 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 359 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 360 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 362 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 363 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 364 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 368 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 370 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 372 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 374 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 376 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 377 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 381 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -2.50% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 382 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  | 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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 384 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 385 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  | 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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 387 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 388 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 389 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 390 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 393 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C<br>Manuf<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 396 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 398 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 401 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 404 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 405 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 406 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 408 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 410 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 411 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 414 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 415 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 417 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  | 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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.61% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 420 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 423 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |  |

---

------

---

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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;**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%** | **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%** | **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 -<br>Valuation<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **CU / LCA<br>Score** | **Valuation<br>Comments** |
| &nbsp;&nbsp;&nbsp;&nbsp; 424 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 425 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  | 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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 431 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 433 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.43% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 434 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 437 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 440 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -14.29% |  | $0.00 | $0.00 | 0.00% | XXXXXX | 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 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 441 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 442 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 15.86% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 443 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 445 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 448 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 451 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 452 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 454 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 457 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.16% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 459 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 461 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 463 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.59% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 465 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 467 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 469 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 470 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 472 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 474 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 2.63% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 480 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.01% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 481 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 485 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 490 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.99% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 491 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 498 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 499 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.76% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 501 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  |  |  |  | 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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 504 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 507 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.18% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 510 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 511 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 512 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 517 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  | 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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.86% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 518 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 526 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 527 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 530 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 531 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 534 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 602 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 536 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 544 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |  |

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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;**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%** | **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%** | **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 -<br>Valuation<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **CU / LCA<br>Score** | **Valuation<br>Comments** |
| &nbsp;&nbsp;&nbsp;&nbsp; 545 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 547 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 548 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 550 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 551 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 552 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 556 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 563 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 565 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 5.23% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 566 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 567 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 569 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 570 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 572 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 575 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 580 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  |  |  |  |  |  | $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 | 0.11% | XXXXXX | XXXXXX | XXXXXX | -11.05% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 581 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 583 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | 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 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 586 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 588 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 603 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  |  |  |  |  |  | $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 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |  |

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