# EDGAR Filing Document

**Accession Number:** 0001599342
**File Stem:** 0001193125-26-054211
**Filing Date:** 2026-2
**Character Count:** 772330
**Document Hash:** fcec80ba6911cb68af529b3d4d457d28
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-054211.hdr.sgml**: 20260217

**ACCESSION NUMBER**: 0001193125-26-054211

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

**PUBLIC DOCUMENT COUNT**: 11

**CONFORMED PERIOD OF REPORT**: 20260217

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

**FILED AS OF DATE**: 20260217

**DATE AS OF CHANGE**: 20260217

**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:** 26639671

**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 2026-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](d934221dex991.htm) |
| 99.2 | [Clayton Conditions Report](d934221dex992.htm) |
| 99.3 | [Clayton Rating Agency ATR QM Data Fields](d934221dex993.htm) |
| 99.4 | [Clayton Loan Level Tape Compare Upload](d934221dex994.htm) |
| 99.5 | [Clayton Valuations Summary](d934221dex995.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 | February 17, 2026 |
| /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](g934221dsp1a.jpg)

![LOGO](g934221g0214094039416.jpg)

![LOGO](g934221g0214094040662.jpg)

**February 10, 2026**<br>**Due Diligence Narrative Report**<br>

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![LOGO](g934221g0214094046045.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 2026-CNF2 Page \| 1 February 10, 2026

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![LOGO](g934221g0214094046045.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 254 residential loans selected for the PMT Loan Trust 2026-CNF2 transaction. The loans referenced in this narrative report were reviewed on a bulk basis in January 2026. 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 | 32 | 12.60% |
|  Correspondent Bulk | 105 | 41.34% |
|  Correspondent Flow with delegated underwriting | 22 | 8.66% |
|  Correspondent Flow without delegated underwriting | 18 | 7.09% |
|  Retail | 77 | 30.31% |
|  **Total** | **254** | **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 2026-CNF2 Page \| 2 February 10, 2026

------

![LOGO](g934221g0214094046045.jpg)

**SAMPLING** 

Upon receipt of Asset Tape, Diligence provider randomly selected 254 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** | 254 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | 254 |  |

---

**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](g934221dsp04.jpg)

PMT Loan Trust 2026-CNF2 Page \| 3 February 10, 2026

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![LOGO](g934221g0214094046045.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 (254 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 Appendix B
and to the guidelines cited above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Value Supported Analysis (254 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 2026-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 2026-CNF2 Page \| 4 February 10, 2026

------

![LOGO](g934221g0214094046045.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 2026-CNF2 Page \| 5 February 10, 2026

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![LOGO](g934221g0214094046045.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 2026-CNF2 Page \| 6 February 10, 2026

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![LOGO](g934221g0214094046045.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 | 115 | 54.72% |
|  AUS Grade Audit | 4 | 98.43% |
|  Borrower 1 First Name | 2 | 99.21% |
|  Borrower 1 Last Name | 2 | 99.21% |
|  Borrower 1 Self Employed Flag | 7 | 97.24% |
|  Borrower 1 Total Income | 87 | 65.75% |
|  Borrower 2 First Name | 1 | 99.61% |
|  Borrower 2 Last Name | 1 | 99.61% |
|  Borrower 2 Self Employed Flag | 3 | 98.82% |
|  Cash Reserves | 152 | 40.16% |
|  Combined LTV | 5 | 98.03% |
|  Credit Report Date | 30 | 88.19% |
|  Debt to Income Ratio (Back) | 23 | 90.94% |
|  Loan Purpose | 4 | 98.43% |
|  Note Rate | 1 | 99.61% |
|  Original Appraisal Date | 4 | 98.43% |
|  Original Appraised Value | 5 | 98.03% |
|  Original Balance | 1 | 99.61% |
|  Original LTV | 4 | 98.43% |
|  Origination Channel | 32 | 87.40% |
|  Origination Date | 1 | 99.61% |
|  Product Type | 3 | 98.82% |
|  Property City | 1 | 99.61% |
|  Property State | 1 | 99.61% |
|  Property Street Address | 1 | 99.61% |
|  Property Type | 22 | 91.34% |
|  Property Zip | 1 | 99.61% |
|  Representative Credit Score for Grading | 4 | 98.43% |
|  Sales Price | 1 | 99.61% |
|  Total Monthly Income | 115 | 54.72% |

---

PMT Loan Trust 2026-CNF2 Page \| 7 February 10, 2026

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![LOGO](g934221g0214094046045.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 (254 loans)</u>

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 63 |  | 6 | 66 | **135** |
| **Final** | **B** |  | 5 | 9 | 93 | **107** |
| **Final** | **C** |  |  | 1 | 5 | **6** |
| **Final** | **D** |  |  |  | 6 | **6** |
| **Final** | **Total** | **63** | **5** | **16** | **170** | **254** |

---

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 |  | 6 | 17 | **248** |
| **Final** | **B** |  | 1 |  |  | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  | 5 | **5** |
| **Final** | **Total** | **225** | **1** | **6** | **22** | **254** |

---

**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** | 92 |  |  | 74 | **166** |
| **Final** | **B** |  |  | 5 | 80 | **85** |
| **Final** | **C** |  |  |  | 3 | **3** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **92** | **0** | **5** | **157** | **254** |

---

**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** | 177 |  | 20 | 16 | **213** |
| **Final** | **B** |  | 19 | 15 | 1 | **35** |
| **Final** | **C** |  |  | 3 |  | **3** |
| **Final** | **D** |  |  |  | 3 | **3** |
| **Final** | **Total** | **177**  | **19**  | **38**  | **20**  | **254** |

---

PMT Loan Trust 2026-CNF2 Page \| 8 February 10, 2026

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![LOGO](g934221g0214094046045.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 2026-CNF2 Page \| 9 February 10, 2026

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![LOGO](g934221g0214094046045.jpg)

**APPENDIX A: CREDIT REVIEW SCOPE** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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![LOGO](g934221g0214094046045.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

PMT Loan Trust 2026-CNF2 Page \| 11 February 10, 2026

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![LOGO](g934221g0214094046045.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

PMT Loan Trust 2026-CNF2 Page \| 12 February 10, 2026

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![LOGO](g934221g0214094046045.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:

PMT Loan Trust 2026-CNF2 Page \| 13 February 10, 2026

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![LOGO](g934221g0214094046045.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

PMT Loan Trust 2026-CNF2 Page \| 14 February 10, 2026

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![LOGO](g934221g0214094046045.jpg)

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

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

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

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

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

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

F. Disclaimer

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

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

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

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

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

G. Desk Review definitions

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

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

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**APPENDIX C: REGULATORY COMPLIANCE REVIEW SCOPE** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

---

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

---

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

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

---

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

---

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

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

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

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

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

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

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

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

---

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

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

---

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

---

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

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

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

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

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

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

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

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<sup>©</sup> 2026 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 2026-CNF2 Page \| 21 February 10, 2026

## Exhibit 99.2

**EXHIBIT 99.2** 

**CLAYTON CONDITIONS REPORT** 

------

---

| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2026-CNF2 Securitization_J16508** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *254* |
| ***Loans with Conditions:*** | *192* |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;**47 - Total Active Conditions** | |
| **16 - Material Conditions**  | **16 - Material Conditions**  |
| 7 - Credit Review Scope | 7 - Credit Review Scope |
|  | 3 - Category: Assets |
|  | 1 - Category: Credit/Mtg History |
|  | 1 - Category: DTI |
|  | 1 - Category: Legal Documents |
|  | 1 - Category: Terms/Guidelines |
| 3 - Property Valuations Review Scope | 3 - Property Valuations Review Scope |
|  | 3 - Category: Value |
| 6 - Compliance Review Scope | 6 - Compliance Review Scope |
|  | 3 - Category: Ability to Repay/Qualified Mortgage |
|  | 1 - Category: Right of Rescission |
|  | 2 - Category: TILA/RESPA Integrated Disclosure |
| **31 - Non-Material Conditions** | **31 - Non-Material Conditions** |
| 1 - Credit Review Scope | 1 - Credit Review Scope |
|  | 1 - Category: Assets |
| 1 - Property Valuations Review Scope | 1 - Property Valuations Review Scope |
|  | 1 - Category: Appraisal |
| 29 - Compliance Review Scope | 29 - Compliance Review Scope |
|  | 2 - Category: Borrower's Interest |
|  | 19 - Category: RESPA |
|  | 3 - Category: Right of Rescission |
|  | 1 - Category: State Consumer Protection |
|  | 3 - Category: Texas Home Equity |
|  | 1 - Category: TILA/RESPA Integrated Disclosure |
| &nbsp;&nbsp;&nbsp;**360 - Total Satisfied Conditions** |  |
| 30 - Credit Review Scope | 30 - Credit Review Scope |
|  | 2 - Category: Assets |
|  | 1 - Category: Credit/Mtg History |
|  | 6 - Category: DTI |
|  | 9 - Category: Income/Employment |
|  | 1 - Category: Insurance |
|  | 5 - Category: Legal Documents |
|  | 4 - Category: Terms/Guidelines |
|  | 2 - Category: Title |
| 257 - Property Valuations Review Scope | 257 - Property Valuations Review Scope |
|  | 248 - Category: Appraisal |
|  | 9 - Category: Value |
| 73 - Compliance Review Scope | 73 - Compliance Review Scope |
|  | 9 - Category: Ability to Repay/Qualified Mortgage |
|  | 2 - Category: APR Tolerance |
|  | 1 - Category: Compliance Manual |
|  | 3 - Category: Documentation |
|  | 1 - Category: Federal Consumer Protection |
|  | 8 - Category: Right of Rescission |
|  | 1 - Category: Texas Home Equity |
|  | 48 - Category: TILA/RESPA Integrated Disclosure |
| &nbsp;&nbsp;&nbsp;**0 - Total Waived Conditions** |  |

---

<sup>©</sup>2026 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 2026-CNF2 Securitization_J16508** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *254* |
| ***Loans with Conditions:*** | *192* |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial**<br> **Lender**<br> **ATR/<br>QM**<br> **Status** | **Loan**<br> **Level**<br> **ATR/<br>QM**<br> **Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial**<br> **Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;3 | 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 to<br>order<br>BPO. | 1/22/2026:<br>Received<br>BPO not<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 x63 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 792 exceeds 620 the minimum required per lender guidelines |
| &nbsp;&nbsp;&nbsp;3 | 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<br>approved<br>with PIW.<br>Clayton to<br>order BPO | 1/22/2026:<br>Received<br>BPO not<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 x63 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 792 exceeds 620 the minimum required per lender guidelines |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | PA | 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 | 1/22/2026:<br>Exception<br>added<br>after<br>review of<br>trailing<br>docs:<br>1/22/2026:<br>Received<br>BPO not<br>supporting<br>value.<br>Clayton to<br>order next<br>level<br>review. | 2/2/2026:<br>Received<br>Ext 2055<br>supporting<br>value. | 2/2/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 x63 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 792 exceeds 620 the minimum required per lender guidelines |
| &nbsp;&nbsp;&nbsp;5 | 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: 789 rep score > min required of 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 Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial**<br> **Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;6 | 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 updated valuation | No | Missing updated valuation. LCA<br>score > 2.5. Clayton to order desk review | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 784 is above the minimum of 660<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 17.86%; guidelines allow 45%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $20,469.38 (3.27 months PITIA reserves) > min required of $0 |
| &nbsp;&nbsp;&nbsp;7 | XXXXXX | XXXXXX CA | 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 been at their current job over 18 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have lived at their current residence over 14 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $31,500.39 or 7.92 months PITI reserves. Required reserves $23,859 |
| &nbsp;&nbsp;&nbsp;8 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA2700 | RESPA -<br>List of homeowners counseling organizations not<br>provided w/in 3 days of application | No | Initial application was taken<br>XXX, the Housing Counselors<br>List was not issued until XXX. List of homeowners<br>counseling organizations not provided w/in 3 days<br>of application | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves $112,754.04 exceed required reserves of $0.00.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Both B1 and B2 have documented retirement earnings of $7,057.84/month not used to qualify.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 8 mos. 0x30, 21 mos. 0x30, 19 mos. 0x30, 65 mos. 0x30, 27 mos. 0x30, 21 mos. 0x30, 21 mos. 0x30, and 19 mos. 0x30. |
| &nbsp;&nbsp;&nbsp;8 | 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 contains Property Inspection Waiver<br>(PIW)/AW | No | Loan is PIW approved, Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO not<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves $112,754.04 exceed required reserves of $0.00.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Both B1 and B2 have documented retirement earnings of $7,057.84/month not used to qualify.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 8 mos. 0x30, 21 mos. 0x30, 19 mos. 0x30, 65 mos. 0x30, 27 mos. 0x30, 21 mos. 0x30, 21 mos. 0x30, and 19 mos. 0x30. |
| &nbsp;&nbsp;&nbsp;8 | 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 updated valuation | No | Loan is PIW approved, Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO not<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves $112,754.04 exceed required reserves of $0.00.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Both B1 and B2 have documented retirement earnings of $7,057.84/month not used to qualify.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 8 mos. 0x30, 21 mos. 0x30, 19 mos. 0x30, 65 mos. 0x30, 27 mos. 0x30, 21 mos. 0x30, 21 mos. 0x30, and 19 mos. 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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial**<br> **Comments** | **Client/Seller Response Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;8 | 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 Value Not Supported | No | 1/22/2026: Exception added after review of trailing docs: 1/22/2026: Received<br>BPO not supporting value. Clayton to order next level review. | 2/5/2026: Received Ext 2055 supporting<br>value. | 2/5/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves $112,754.04 exceed required reserves of $0.00.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Both B1 and B2 have documented retirement earnings of $7,057.84/month not used to qualify.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 8 mos. 0x30, 21 mos. 0x30, 19 mos. 0x30, 65 mos. 0x30, 27 mos. 0x30, 21 mos. 0x30, 21 mos. 0x30, and 19 mos. 0x30. |
| &nbsp;&nbsp;&nbsp;9 | 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 Integrated<br>Disclosure | Satisfied C B | CMPTRID4056 | TRID -<br>CD: The Total Payment Amount on the Loan<br>Calculation section of the Final Closing<br>Disclosure is less than the Clayton<br>Calculated Total Payment Amount | No | The Final CD XXX has the total payment amount of $922794.09 which is less<br>than Clayton's calculated total Payment of $923094.09 | 2.2.2026 -<br>PCCD received and fees stayed the same and<br>prepaid interest decreased which is<br>permissible. | 2.2.2026 -<br>Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 Years and 0 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 770 FICO score. Minimum required 620.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years and 3 months in current profession. |
| &nbsp;&nbsp;&nbsp;9 | 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 D A | PRVAAPPR3116 | Missing updated valuation | No | No UCDP provided. Clayton to order desk review. | 1/27/2026: Received CDA not supporting<br>value. | 1/27/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 Years and 0 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 770 FICO score. Minimum required 620.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years and 3 months in current profession. |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | 1/27/2026: Exception added after review of trailing docs: 1/27/2026: Received<br>CDA not supporting value. Clayton to order next level review. | 2/5/2026: Received Field review report<br>supporting value. | 2/5/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 Years and 0 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 770 FICO score. Minimum required 620.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years and 3 months in current profession. |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File contains Property Inspection<br>Waiver (PIW)/AW | No | Loan approved with PIW | 1/22/2026: Received BPO supporting value. | 1/22/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 798 exceeds min score requirement of 620.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 18 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $1,981,321.05 or 407.86 months of PITI.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x83. |

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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** | **InitialComments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor | 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. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 798 exceeds min score requirement of 620.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 18 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $1,981,321.05 or 407.86 months of PITI.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x83. |
| &nbsp;&nbsp;&nbsp;16 | 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 | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $80,311.06 or 22.03 months PITI reserves. DU shows no reserves required<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have lived at their current residence for 24 years<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 794. Minimum credit score required 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been at their current job over 26 years |
| &nbsp;&nbsp;&nbsp;16 | 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. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $80,311.06 or 22.03 months PITI reserves. DU shows no reserves required<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have lived at their current residence for 24 years<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 794. Minimum credit score required 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been at their current job over 26 years |
| &nbsp;&nbsp;&nbsp;17 | 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<br>returned<br>999<br>score.<br>Clayton<br>to order<br>Desk<br>Review. | 1/27/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower occupied departure residence for 10 years.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 769 mid score > min required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $50,133.67 (18.74 months PITIA reserves) > min required of $0<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for 10 years. |
| &nbsp;&nbsp;&nbsp;18 | XXXXXX | XXXXXX MA | 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 | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 244 months.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 809 is 169 points above minimum program requirement of 640.<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has over 72 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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition 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 Factors** |
| &nbsp;&nbsp;&nbsp;18 | 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 updated valuation | No | Loan is PIW approved. Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 244 months.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 809 is 169 points above minimum program requirement of 640.<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has over 72 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C B | CMPTRID3670 | TRID -<br>Zero tolerance fee or fees increased at or prior to<br>closing without a valid reason or not timely<br>disclosed; refund required within 60 days of<br>consummation | No | $1 Zero Percent Tolerance Violation due to increase in Credit<br>Report from $106.20 to $107.20 at or prior to closing without a valid<br>Change in Circumstance. Requires CIC, or corrected PCCD, copy of<br>refund check, LOX and verification of shipping. | 2.6.2026<br>— Cure<br>provided. | 2.6.2026<br>—<br>Exception<br>satisfied | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 719 mid score > min required of 620<br> CFCFS2860: Good credit history<br> - Clayton Comments: Consumer debt: 0x30 x greater than 99 months<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has occupied subject property for 17 years. |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | XXXXXX | CO | 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 updated valuation | No | LCA score not provided. Clayton to order desk review. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 719 mid score > min required of 620<br> CFCFS2860: Good credit history<br> - Clayton Comments: Consumer debt: 0x30 x greater than 99 months<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has occupied subject property for 17 years. |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied D A | CMPTRID5107 | TRID -<br>Seller CD not in file; need in order to complete fee<br>entry | No | Seller CD missing from file. | 1.27.2026<br>— Seller<br>CD<br>provided | 1.27.2026<br>—<br>Exception<br>satisfied | Not<br>Applicable | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 9 years and 2 months in current profession.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 767 FICO score. Minimum required 620. |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | XXXXXX | CA | 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 contains Property Inspection Waiver<br>(PIW)/AW | No | Loan is PIW approved, Clayton to orderBPO | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 9 years and 2 months in current profession.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 767 FICO score. 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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;24 | 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 updated valuation | No | Loan is PIW approved, Clayton to order BPO. | 1/22/2026: Received BPO supporting value. | 1/22/2026: Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 9 years and 2 months in current profession.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 767 FICO score. Minimum required 620. |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Ability to Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/<br>Qualified Mortgage<br>rule; the loan file is missing documents to<br>complete the ATR/QM review and render an<br>accurate ATR/QM status. | No | Missing income documents to calculate the income used to<br>qualfy | 1/27/2026: Received 2024 K1 for XX, 9.5% owner and in business<br>>2 years. Verified 24.01% DTI. | 1/27/2026: Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 15 years at current XXX job<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 78% |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C B | CMPTRID4056 | TRID -<br>CD: The Total Payment Amount on the Loan<br>Calculation section of the Final Closing<br>Disclosure is less than the Clayton<br>Calculated Total Payment Amount | No | The Total Payment Amount on the Loan Calculation section<br>of the Final Closing Disclosure is less than the Clayton<br>Calculated Total Payment Amount. | 2.2.2026 - PCCD 1.2.2026 However TOP is determined by<br>comparing final CD to PCCD. $60 Title-<br>Doc prep fee added on PCCD<br>causing the TOP issue. 130(b) or (c) cure: refund money to borrower<br>in the amount understated of $60, client permission, LOX and<br>redisclosed CD; reopen rescission if the loan is rescindable2.6.2026<br>— Cure provided | 2.2.2026 -<br>Exception remains2.6.2026<br>-Exception satisfied | Numeric | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 15 years at current XXX job<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 78% |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 50% | No | Missing 2 years business tax returns to calculate the income<br>used to qualify | 1/27/2026: Received 2024 K1 for XXX, 9.5% owner and in<br>business >2 years. Verified 24.01% DTI. | 1/27/2026: Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 15 years at current XXX job<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 78% |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Credit | Income/<br>Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Missing a business name search for all XXX businesses<br>shown on borrower's personal return | 1/27/2026: Received 2024 K1 for XXX, 9.5% owner and in<br>business >2 years. Verified 24.01% DTI. | 1/27/2026: Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 15 years at current XXX job<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 78% |

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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 Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Income/<br>Employment | Satisfied D A | CRDINC3204 | Income<br>Documentation<br>Missing | No | Missing 2 years tax returns for XXX to calculate the income<br>used to qualify, | 1/27/2026: Received 2024 K1 for XXX, 9.5% owner and in<br>business >2 years. Verified 24.01% DTI. | 1/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 15 years at current XXX job<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 78% |
| &nbsp;&nbsp;&nbsp;28 | 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 approved with LP without a LCA score | 1/26/2026: Received CDA supporting value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 15 years at current XXX job<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 78% |
| &nbsp;&nbsp;&nbsp;31 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | 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<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 80% |
| &nbsp;&nbsp;&nbsp;32 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Legal<br>Documents | Active D | CRDLGL139 | Missing copy<br>of 2nd lien<br>HUD-1<br>(subject is 1st<br>lien) | Yes | Provide the Final CD for the $XXX Purchase 2nd. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 95%.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.40% is below the guideline maximum of 45%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 735 is 115 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;32 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Credit | Legal<br>Documents | Satisfied D A | CRDLGL137 | Missing copy<br>of 2nd lien<br>Note (subject<br>is 1st lien) | No | Provide the $XXX Purchase 2nd Note. | 1/26/2026: Received 2nd lien Note and Mortgage. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 95%.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.40% is below the guideline maximum of 45%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 735 is 115 points above minimum program requirement 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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition 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 Factors** |
| &nbsp;&nbsp;&nbsp;32 | 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 updated valuation | No | LCA returned no score. Clayton to order Desk Review. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 95%.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.40% is below the guideline maximum of 45%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 735 is 115 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID -<br>Zero tolerance fee or fees increased at or prior to<br>closing without a valid reason or not timely<br>disclosed; refund required within 60 days of<br>consummation | No | Zero Tolerance Fee of $374.50 due to Broker fee increased<br>from LE to CD. Missing a valid Change of Circumstance,<br>or Post Close CD, LOX and copy of refund check to<br>borrower. | 2.2.2026 -<br>COC<br>provided | 2.2.2026 -<br>Exception<br>satisfied | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: CBR score of 732 exceeds the 620 required.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 22.97 is less than the max of 45.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75 is less than the max of 80. |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | XXXXXX | WA | 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 updated valuation | No | LCA (or CU) score is >2.5. Clayton to order desk review. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: CBR score of 732 exceeds the 620 required.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 22.97 is less than the max of 45.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75 is less than the max of 80. |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied D A | CMPTRID5107 | TRID -<br>Seller CD not in file; need in order to complete fee<br>entry | No | Missing Seller CD. | 1.27.2026<br>-Seller CD<br>received | 1.27.2026<br>—<br>Exception<br>satisfied | Not<br>Applicable | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 31.16% is below the guideline maximum of 50%.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves $24,161.40 exceeds required reserves $0.00.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio of 3.12%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 809 is 189 points above minimum program requirement of 620.<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 196 months. |
| &nbsp;&nbsp;&nbsp;37 | 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 contains Property Inspection Waiver<br>(PIW)/AW | No | Loan is PIW approved, Clayton to order BPO. | 1/26/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 31.16% is below the guideline maximum of 50%.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves $24,161.40 exceeds required reserves $0.00.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio of 3.12%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 809 is 189 points above minimum program requirement of 620.<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 196 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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition 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 Factors** |
| &nbsp;&nbsp;&nbsp;37 | 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 updated valuation | No | Loan is PIW approved, Clayton to order BPO. | 1/26/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 31.16% is below the guideline maximum of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves $24,161.40 exceeds required reserves $0.00.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio of 3.12%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 809 is 189 points above minimum program requirement of 620.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 196 months. |
| &nbsp;&nbsp;&nbsp;41 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure<br>missing | No | RESPA: Required Affiliate Business Disclosure missing. Missing<br>ABA disclosure. | (No Data) | (No Data) | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 FICO score > min. requirement of 620 |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C B | CMPTRID3961 | TRID -<br>CD: The amount of the periodic escrow payment in<br>the Projected Payments section does not equal the<br>periodic escrow payment disclosed in the Loan<br>Disclosures section | No | Projected Payments section shows $0.00 for Estimated<br>Escrow , Estimated Taxes , Insurance & Assessments shows<br>$1231.04 for escrows Property taxes Yes , Homeowners INS Yes.<br>Section G show escrow HOI and Taxes, Disclosure screen Escrow<br>Account shows HOI and Taxes being Escrowed , Initial Escrow<br>payment shows $2,824.83, and Monthly Escrow payment shows<br>$0.00. LOX and redisclosed CD within 60 days of discovery.<br>Adding Escrow to projected Payments and Escrow Account on<br>the loan disclosure screen. | 2.2.2026<br>— PCCD<br>received | 2.2.2026 -<br>Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 10 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 7 years. |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C B | CMPTRID5741 | TRID -<br>CD: In the CD Escrow section, You will have an<br>escrow account is indicated, but any of the<br>Escrowed Property Costs or Escrow Payment = $0<br>or Null | No | Projected Payments section shows $0.00 for Estimated<br>Escrow , Estimated Taxes , Insurance & Assessments shows<br>$1231.04 for escrows Property taxes Yes , Homeowners INS Yes.<br>Section G show escrow HOI and Taxes, Disclosure screen Escrow<br>Account shows HOI and Taxes being Escrowed , Initial Escrow<br>payment shows $2,824.83, and Monthly Escrow payment shows<br>$0.00. LOX and redisclosed CD within 60 days of discovery.<br>Adding Escrow to projected Payments and Escrow Account on<br>the loan disclosure screen. | 2.2.2026<br>— PCCD<br>received | 2.2.2026 -<br>Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 10 years.<br> - Clayton Comments: The borrower has lived at the current residence for 7 years. |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 25 years at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 718 Fico score exceeds guidelines 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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Compliance | Right of<br>Rescission | Active C | CMPROR2330 | ROR -<br>Disbursement date is before end of statutory<br>rescission period | Yes | ROR -<br>Disbursement date is before end of statutory<br>rescission period-<br>ROR Expiration date of 11/18/2025; disbursement<br>date per file XXX. Borrower did not receive full<br>mandatory rescission period | 2.2.2026 -<br>evidence wire took place on XXX. Please provide<br>a LOX, PCCD with correct Disbursement date<br>and proof of delivery. | 2.2.2026 -<br>Exception<br>remains | (No Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Subject property mortgage history 0x30x60<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves 30.787 months or $70,365.29; no reserves required. |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | XXXXXX | AZ | 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 contains Property Inspection Waiver<br>(PIW)/AW | No | Loan is PIW Approved, Clayton to order BPO. | 1/22/2026: Received BPO supporting value. | 1/22/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Subject property mortgage history 0x30x60<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves 30.787 months or $70,365.29; no reserves required. |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Loan is PIW Approved, Clayton to order BPO | 1/22/2026: Received BPO supporting value. | 1/22/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Subject property mortgage history 0x30x60<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves 30.787 months or $70,365.29; no reserves required. |
| &nbsp;&nbsp;&nbsp;46 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied D A | CMPTRID5107 | TRID -<br>Seller CD not in file; need in order to complete fee<br>entry | No | Seller CD not in file. Provide Seller CD | 2.2.2026 - Seller CD provided | 2.2.2026 -<br>Exception<br>satisfied | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 722 mid score > mid score of 620 |
| &nbsp;&nbsp;&nbsp;53 | XXXXXX | XXXXXX | DE | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied D A | CMPTRID5107 | TRID -<br>Seller CD not in file; need in order to complete fee<br>entry | No | Seller CD not in file | 1.27.26 - Seller CD provided | 1.27.26 -<br>Exception<br>satisfied | Not<br>Applicable | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 25% |

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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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;53 | XXXXXX | XXXXXX | DE | 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 updated valuation | No | File is missing a LCA score; Clayton to order a desk review. | 1/26/2026: Received CDA supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 25% |
| &nbsp;&nbsp;&nbsp;54 | 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 updated valuation | No | Missing CU or LCA score. Clayton to order desk review. | 1/26/2026: Received CDA supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 20.94% is below the guideline maximum of 45%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 104 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 76.19%; guidelines allow 97%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 738 is 118 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;58 | 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 updated valuation | No | No Fannie CU. Clayton to order desk review. | 1/26/2026: Received CDA supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has over 72 months mortgage payment history 0x30.<br>\CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 141 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 783 is 163 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | XXXXXX | AK | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to Repay/Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/<br>Qualified Mortgage<br>rule; the loan file is missing documents to complete<br>the ATR/QM review and render an accurate ATR/QM<br>status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the<br>loan file is missing documents to complete the ATR/QM review<br>and render an accurate ATR/QM status.Missing verification of<br>some or all components of non-subject PITI1. Missing the HOA for<br>XXX of $125 annual 2. Missing HOI for XXX in the amount of<br>$705 annual3. Missing the rental fees/expenses for $597.67<br>annual for XXX (mobile home expenses reported as taxes on 1040,<br>trailer park per XXX). | 1/28/2026: Lender provided 2024 Sch E -<br>info was derived from there. | 1/28/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 4.92yrs tenure with current employer<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 44 consecutive months mortgage payment history exceeds 24 month credit review guideline<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history with no late pay/derog line items. 789 Median Credit Score, Oldest Trade 03/2006<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Post Close Assets are $86,934.20 or 29.19 mths of PITI $2978.01 exceeding guideline requirement of $0 reserves. |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | XXXXXX | AK | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-<br>subject PITI | No | Missing verification of some or all components of non-<br>subject PITI1. Missing the HOA for XXX of $125 annual 2. Missing<br>HOI for XXX in the amount of $705 annual3. Missing the rental<br>fees/expenses for $597.67 annual for XXX (mobile home expenses<br>reported as taxes on 1040, trailer park per XXX). | 1/28/2026: Lender provided 2024 Sch E -<br>info was derived from there. | 1/28/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 4.92yrs tenure with current employer<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 44 consecutive months mortgage payment history exceeds 24 month credit review guideline<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history with no late pay/derog line items. 789 Median Credit Score, Oldest Trade 03/2006<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Post Close Assets are $86,934.20 or 29.19 mths of PITI $2978.01 exceeding guideline requirement of $0 reserves. |

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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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Ability to Repay/Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/<br>Qualified Mortgage<br>rule; the loan file is missing documents to<br>complete the ATR/QM review and<br>render an accurate ATR/QM status. | No | Missing fully executed CD or Settlement statement and Note<br>for subordinate 2nd Lien in amount of $XXX with payment of<br>$353.70 per month used to qualify.<br>Settlement statement to support payoff of the following<br>accounts: XXX, XXX/XXX, XXX, XXX, XXX, XXX and<br>XXX. | 2/2/2026: Received Final CD for HELOC. Shows PITI and<br>credit paid. | 2/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Calculated DTI 37.38%. Max 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 723. Minimum required 620 |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | CO | 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 copy of 2nd lien HUD-1 (subject<br>is 1st lien) | No | Missing fully executed CD or Settlement statement and Note<br>for subordinate 2nd Lien in amount of $XXX with payment of<br>$353.70 per month used to qualify.<br>Settlement statement to support payoff of the following<br>accounts: XXX, XXX/XXX, XXX, XXX, XXX, XXX and<br>XXX. | 2/2/2026: Received Final CD for HELOC. Shows PITI and<br>credit paid. | 2/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Calculated DTI 37.38%. Max 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 723. Minimum required 620 |
| &nbsp;&nbsp;&nbsp;60 | 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 contains Property Inspection<br>Waiver (PIW)/AW | No | Loan is PIW approved, Clayton to order BPO | 1/22/2026: Received BPO supporting value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Calculated DTI 37.38%. Max 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 723. Minimum required 620 |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Loan is PIW Approved. Clayton to order BPO. | 1/22/2026: Received BPO supporting value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Calculated DTI 37.38%. Max 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 723. Minimum required 620 |
| &nbsp;&nbsp;&nbsp;63 | 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 updated valuation | No | Missing Updated Valuation: LCA score not established.<br>Clayton to order desk review. | 1/26/2026: Received CDA supporting value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgages report 25 mos. 0x30 and 15 mos. 0x30.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 32 years in same line of work. B2 has 24 years 9 months in same line of work.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves $116,903.32 exceed required reserves $27,657.40. |

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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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;64 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID -<br>Zero tolerance fee or fees increased at or prior to<br>closing without a valid reason or not timely<br>disclosed; refund required within 60 days of<br>consummation | No | Zero Tolerance Fee of $1618.05 due to increase in Discount<br>points from $6666 on LE XXX to $8284.05 on Final CD XXX. Zero<br>Tolerance overage of $23.80 due to increase in Title Endorsement fee<br>and Zero Tolerance increase in Lenders Title insurance from $3467 to $3546. Missing a valid Change of Circumstance, or<br>Post Close CD, LOX and copy of refund check to borrower. | 2.3.2026<br>— COC<br>provided | 2.3.2026 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 38.44%; guidelines allow 80%.<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have150 months mortgage payment history 0x30.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.76% is below the guideline maximum of 50%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 741 is 121 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;64 | 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 updated valuation | No | CU and LCA scores are missing in the file. Clayton to order desk review. | 1.26.26<br>Desk<br>review<br>received<br>value<br>supported. | 1.26.26<br>Exception<br>Satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 38.44%; guidelines allow 80%.<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have150 months mortgage payment history 0x30.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.76% is below the guideline maximum of 50%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 741 is 121 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;67 | 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 updated valuation | No | LCA (or CU) score is >2.5. Clayton to order desk review. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<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, 5 years and 9 months.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 805 exceeds the guideline program minimum of 620.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 40.72% LTV below guideline requirements of 80% per program. |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied C A | PRVAAPPR4789 | Appraisal Deficiency | No | 1/26/2026: Exception added after review of trailing docs: 1/26/2026: Received CDA not supporting value due to inadequate/excessive<br>adjustments of comps. Clayton to order next level review. | 2/9/2026:<br>Received<br>Field<br>Review<br>supporting<br>value. | 2/9/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 31.22 is less than the max of 45.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 79.46 is less than the max of 95 |
| &nbsp;&nbsp;&nbsp;72 | 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 updated valuation | No | No UCDP provided. Clayton to order Desk Review. | 1/26/2026:<br>Received<br>CDA not<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 31.22 is less than the max of 45.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 79.46 is less than the max 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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;77 | XXXXXX | XXXXXX | HI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | Ability to Repay/Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/<br>Qualified Mortgage<br>rule; the loan file is missing documents to complete<br>the ATR/QM review and render an accurate ATR/<br>QM status. | No | Missing evidence of the mortgage payoff or reason to<br>exclude the mortgage payments on B2 and B3's<br>property at XXX | 2/5/2026: Received updated 1008 and AUS including PITI.<br>DTI is 42%. AUS is 43.33%. | 2/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 25.85% is below guideline maximum of 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 750. Guideline minimum 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $40,603.83; 8.45 months. No reserves required. |
| &nbsp;&nbsp;&nbsp;77 | XXXXXX | XXXXXX | HI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied A | PRVAAPPR3116 | Missing updated valuation | No | Loan is approved PIW. Clayton to order BPO | 1/26/2026: Received BPO supporting value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 25.85% is below guideline maximum of 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 750. Guideline minimum 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $40,603.83; 8.45 months. No reserves required. |
| &nbsp;&nbsp;&nbsp;77 | XXXXXX | XXXXXX | HI | 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 contains Property Inspection Waiver<br>(PIW)/AW | No | Approved with PIW. Clayton to order BPO. | 1/26/2026: Received BPO supporting value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 25.85% is below guideline maximum of 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 750. Guideline minimum 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $40,603.83; 8.45 months. No reserves required. |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | XXXXXX | LA | 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 updated valuation | No | No UCDP provided. Clayton to order Desk Review. | 1/26/2026: Received CDA supporting value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: borrower has been s/e for over 8 years<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Middle credit score is 772 which is greater than min. requirement of 620. |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA -<br>List of homeowners counseling organizations not in<br>file | No | Missing list of homeowners counseling<br>organizations. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit history exceeds guidelines with no late payments within the past 5 years or more.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have significant time at current residence with 8.2 years.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower 1 has significant time at current job with 12 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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition 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 Factors** |
| &nbsp;&nbsp;&nbsp;81 | 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 Integrated<br>Disclosure | Satisfied C A | CMPTRID3640 | TRID -<br>CD: Zero tolerance fee or fees increased at or prior to<br>closing without a valid reason or the revised LE/CD<br>was not timely disclosed; insufficient credit or refund<br>provided | No | The Origination fee of $14,792 increased to $19,428.86<br>without a valid reason. A Lender credit of $501.80 to the borrower<br>was listed on the PCCD dated XXX. Need a PCCD to show an<br>additional credit of $4,135.06 refund to the borrower. | 2.2.2026 -<br>COC<br>provided | 2.2.2026 -<br>Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit history exceeds guidelines with no late payments within the past 5 years or more.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have significant time at current residence with 8.2 years.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower 1 has significant time at current job with 12 years. |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | AUS run #13 dated XXX missing pages/incomplete. Only have 5<br>pages. Provide full findings. | 1/26/2026:<br>Received

#13 AUS<br>all pages. | 1/26/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit history exceeds guidelines with no late payments within the past 5 years or more.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have significant time at current residence with 8.2 years.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower 1 has significant time at current job with 12 years. |
| &nbsp;&nbsp;&nbsp;81 | 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 updated valuation | No | Missing updated Valuation. Missing CU score. Clayton to order desk<br>review. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit history exceeds guidelines with no late payments within the past 5 years or more.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have significant time at current residence with 8.2 years.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower 1 has significant time at current job with 12 years. |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID -<br>Zero tolerance fee or fees increased at or prior to<br>closing without a valid reason or not timely<br>disclosed; refund required within 60 days of<br>consummation | No | Zero tolerance of 752.16 due to Discount Fee% fee added/<br>increased with no/invalid internal COC in file. Provide Internal COC<br>reflecting valid reason for the fee changes or PCCD with cure, copy of<br>cure check, LOE to Borrower and Evidence of delivery via shipping<br>method including tracking information within 60 days of discovery | 2.2.2026<br>— COC<br>provided | 2.2.2026 -<br>Exception<br>satisfied | (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 7.5 years at profession. |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | No UCDP. Clayton to order desk review. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 7.5 years at 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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;87 | XXXXXX | XXXXXX HI | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver<br>(PIW)/AW | No | Loan is PIW approved, Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed with XXX for 7 years and 1 month.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 qualifying score. Min required per guidelines is 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 30.57%, max per guidelines is 45%. |
| &nbsp;&nbsp;&nbsp;87 | XXXXXX | XXXXXX HI | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Loan is PIW approved, Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed with XXX for 7 years and 1 month.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 qualifying score. Min required per guidelines is 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 30.57%, max per guidelines is 45%. |
| &nbsp;&nbsp;&nbsp;90 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 70.14%. Guideline maximum 95%<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets: are $49,270.60; 10.21 months. No reserves are required.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 776. Guideline minimum 620. |
| &nbsp;&nbsp;&nbsp;93 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID -<br>Zero tolerance fee or fees increased at or prior to<br>closing without a valid reason or not timely<br>disclosed; refund required within 60 days of<br>consummation | No | Zero percent tolerance fail of $34.30. Due to % of Loan<br>Amount (Point) fee increased on LE issued XXX with no internal<br>COC in file. Provide Internal COC reflecting valid reason for the<br>fee changes within 3 business days of change - OR- PCCD with<br>cure, copy of cure check, LOE to Borrower and Evidence of<br>delivery via method including tracking, within 60 days of<br>consummation. | 2.2.2026 -<br>COC<br>provided | 2.2.2026 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 74%<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;93 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver<br>(PIW)/AW | No | Loan approved with a Property Inspection Waiver (PIW);<br>Clayton to order a BPO | 1/22/2026:<br>Received<br>BPO not<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 74%<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** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;93 | XXXXXX | XXXXXX | NC | 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 | Loan is approved PIW. Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO not<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 74%<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;93 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Value | Active C | PRVAVALU5249 | Property<br>Value Not<br>Supported | Yes | 1/22/2026: Exception added after review of trailing docs: 1/22/2026: Received<br>BPO not supporting value. Clayton to order next level review. | 1/27/2026:<br>2055<br>received<br>value not<br>supported<br>-14.29%. | 1/27/2026:<br>Exception<br>remains. | Not<br>Applicable | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 74%<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;94 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned subject property for 28 years and 10 months.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.36% DTI is below standard maximum of 45%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 credit score exceeds standard minimum of 620. |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is PIW approved, Clayton to order BPO. | 1/26/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/26/2026:<br>Exception<br>Satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 5 years 10 months at current job.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has a credit line usage ratio of 0.39%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 803 is 183 points above the 620 required.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 37.09% is 7.91% below the 45% allowed. |
| &nbsp;&nbsp;&nbsp;98 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score is missing; Clayton to order desk review. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 10 years on current job<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have excess reserves as none are 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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;101 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Ability to Repay/Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/<br>Qualified Mortgage<br>rule; the loan file is missing documents to<br>complete the ATR/QM review and<br>render an accurate ATR/QM status. | No | Missing current pay stub supporting monthly income of<br>$25,417.25. | 1/26/2026: Received paystub $5,865.52 X 52<br>/12 = $25,417.25/month. Paid weekly. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $23,114.72 (4.45 months PITIA reserves) > min required of $0<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 783 mid score > min required of 620<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 x51 months |
| &nbsp;&nbsp;&nbsp;101 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Income/<br>Employment | Satisfied D A | CRDINC2408 | Income verification does not meet<br>guidelines | No | Missing current pay stub supporting monthly income of<br>$25,417.25 | 1/26/2026: Received paystub $5,865.52 X 52<br>/12 = $25,417.25/month. Paid weekly. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $23,114.72 (4.45 months PITIA reserves) > min required of $0<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 783 mid score > min required of 620<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 x51 months |
| &nbsp;&nbsp;&nbsp;101 | 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 contains Property Inspection<br>Waiver (PIW)/AW | No | is PIW approved, Clayton to order BPO | 1/22/2026: Received BPO supporting value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $23,114.72 (4.45 months PITIA reserves) > min required of $0<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 783 mid score > min required of 620<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 x51 months |
| &nbsp;&nbsp;&nbsp;101 | 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 updated valuation | No | Loan is approved PIW. Clayton to order BPO. | 1/22/2026: Received BPO supporting value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $23,114.72 (4.45 months PITIA reserves) > min required of $0<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 783 mid score > min required of 620<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 x51 months |
| &nbsp;&nbsp;&nbsp;102 | 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 contains Property Inspection<br>Waiver (PIW)/AW | No | Loan is PIW approved, Clayton to order BPO | 1/22/2026: Received BPO supporting value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.21%. Max 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 813. 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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;102 | 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 updated valuation | No | Loan is approved PIW. Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.21%. Max 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 813. Minimum required 620 |
| &nbsp;&nbsp;&nbsp;104 | 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 contains Property Inspection Waiver<br>(PIW)/AW | No | Loan is PIW approved, Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 31 years.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 796 max per guidelines is 680. |
| &nbsp;&nbsp;&nbsp;104 | 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 updated valuation | No | Loan is approved PIW. Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 31 years.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 796 max per guidelines is 680. |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | Right of<br>Rescission | Active B | CMPROR1909 | Incorrect ROR Form Used -<br>H8 Form Used in Refinance With Original Creditor | No | Regulation Z designates the H9 rescission form as the form<br>designed for same lender refinance transactions; for this loan the<br>lender is using the H8 form. Regulation Z has language allowing<br>the use of a substantially similar notice. Claytons view has been<br>that an H8 protects the lender and assignee to at least the same<br>extent as an H9, but Clayton recognized that one could think that<br>the mere existence of the H9 takes away the substantially<br>similar notice argument. The majority of U.S. Circuit Courts that<br>have opined on the issue have upheld the use of an H8 in a same-<br>lender refinance; therefore, Clayton grades the use of an H8 form<br>in a same-lender refinance as a level 2/B- Non Material<br>exception in those Circuits that have not decided on this issue. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been at current job for 10 years.<br> CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrowers have additional documented income not used to qualify; B1 commission income $7,367.20 monthly average YTD and B2 bonus income for 2025 $3,948.46 monthly average. Used as compensating factor only.<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have mortgage payment history 0x30 since 2/2017. |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C A | CMPTRID3618 | TRID -<br>Corrected CD should have been provided; Change of<br>Product or Product Feature not disclosed at least 3<br>business days prior to closing | No | Missing Initial CD | 2.2.2026 -<br>ICD<br>received | 2.2.26 —<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 current job for 10 years.<br> CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrowers have additional documented income not used to qualify; B1 commission income $7,367.20 monthly average YTD and B2 bonus income for 2025 $3,948.46 monthly average. Used as compensating factor only.<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have mortgage payment history 0x30 since 2/2017. |

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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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial<br>Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;105 | 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 Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID -<br>CD: Loan consummated before end of waiting period | No | Missing<br>Initial<br>CD | 2.2.2026<br>— ICD<br>received | 2.2.2026 -<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 current job for 10 years.<br> CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrowers have additional documented income not used to qualify; B1 commission income $7,367.20 monthly average YTD and B2 bonus income for 2025 $3,948.46 monthly average. Used as compensating factor only.<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have mortgage payment history 0x30 since 2/2017. |
| &nbsp;&nbsp;&nbsp;105 | 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 contains Property Inspection Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<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 current job for 10 years.<br> CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrowers have additional documented income not used to qualify; B1 commission income $7,367.20 monthly average YTD and B2 bonus income for 2025 $3,948.46 monthly average. Used as compensating factor only.<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have mortgage payment history 0x30 since 2/2017. |
| &nbsp;&nbsp;&nbsp;105 | 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 updated valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<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 current job for 10 years.<br> CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrowers have additional documented income not used to qualify; B1 commission income $7,367.20 monthly average YTD and B2 bonus income for 2025 $3,948.46 monthly average. Used as compensating factor only.<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have mortgage payment history 0x30 since 2/2017. |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Income/<br>Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Please<br>provide<br>VVOE<br>w/in 10<br>days of<br>closing. | 1/26/2026:<br>Received<br>VVOE<br>dated<br>XXX. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 749 is 129 points above minimum program requirement of 620.<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 84 months.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 43.30% is below the guideline minimum of 45%. |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | No<br>UCDP<br>provided.<br>Clayton<br>to order<br>Desk<br>Review. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 749 is 129 points above minimum program requirement of 620.<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 84 months.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 43.30% 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** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;108 | XXXXXX | XXXXXX | NV | 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 approved, Clayton to order BPO | 1/22/2026:<br>Received<br>BPO not<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 810 FICO score. Minimum required 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $30,527.53 or 17.64 months. No reserves required<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 28.16% is below max DTI of 45%. |
| &nbsp;&nbsp;&nbsp;108 | XXXXXX | XXXXXX | NV | 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 approved PIW. Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO not<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 810 FICO score. Minimum required 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $30,527.53 or 17.64 months. No reserves required<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 28.16% is below max DTI of 45%. |
| &nbsp;&nbsp;&nbsp;108 | XXXXXX | XXXXXX | NV | 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 | 1/22/2026: Exception added after review of trailing docs: 1/22/2026: Received<br>BPO not supporting value. Clayton to order next level review. | 1/26/2026:<br>Received<br>2055<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 810 FICO score. Minimum required 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $30,527.53 or 17.64 months. No reserves required<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 28.16% is below max DTI of 45%. |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 5 years and 0 months in current profession. |
| &nbsp;&nbsp;&nbsp;112 | 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)/<br>AW | No | Loan is PIW approved, Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 712 FICO score > min. requirement of 620<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 16 years in same line of work/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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;112 | 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 updated valuation | No | Loan is PIW approved, Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 712 FICO score > min. requirement of 620<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 16 years in same line of work/profession |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | XXXXXX | MD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID -<br>Zero tolerance fee or fees increased at or prior to<br>closing without a valid reason or not timely<br>disclosed; refund required within 60 days of<br>consummation | No | $9.80 Zero Percent Tolerance Violation due to increase in<br>Transfer Taxes $286 to $295.80 at or prior to closing without a valid<br>Change in Circumstance. Requires CIC, or corrected PCCD, copy<br>of refund check, LOX and verification of shipping. | 2.2.2026 -<br>COC<br>provided | 2.2.2026 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 802 FICO score. Minimum required 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 30.44% is below max DTI of 45%, |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | XXXXXX | MD | 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 updated valuation | No | No UCDP provided. Clayton to order Desk Review. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 802 FICO score. Minimum required 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 30.44% is below max DTI of 45%, |
| &nbsp;&nbsp;&nbsp;119 | 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 contains Property Inspection Waiver<br>(PIW)/AW | No | Loan is PIW approved, Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 qualifying score. Min required per guidelines is 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 24.88%, max per guidelines is 45%. |
| &nbsp;&nbsp;&nbsp;119 | 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 updated valuation | No | Loan is PIW approved. Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 qualifying score. Min required per guidelines is 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 24.88%, max per guidelines 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<br>Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;121 | 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 | No LCA<br>score in<br>file;<br>Clayton<br>to order<br>desk<br>review | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers have minimal use of revolving credit<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;124 | XXXXXX | XXXXXX | MN | 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 798 is above the minimum of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has over $1,000,000 in reserves<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 31.28%; guidelines allow 45% |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) 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. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 12 years on current job<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 33% |
| &nbsp;&nbsp;&nbsp;126 | 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>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 26 mos. 0x30.<br> CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Reduction of housing expense from $6,803.43 to $5,094.35.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 13 years in same line of work. B2 has 10 years in same line of work. |
| &nbsp;&nbsp;&nbsp;126 | 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 is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 26 mos. 0x30.<br> CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Reduction of housing expense from $6,803.43 to $5,094.35.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 13 years in same line of work. B2 has 10 years in same line of work. |

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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 Sub Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of<br>employment missing | No | Missing VVOE w/in 10 days of<br>note date. | 1/26/2026:<br>Received<br>XXX<br>VVOE. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.13% is below the guideline minimum of 45%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 784 is 164 points above minimum program requirement of 620.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 73.77%; guidelines allow 97%. |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File contains Property<br>Inspection Waiver (PIW)/AW | No | Loan is PIW approved, Clayton<br>to order BPO. | 1/26/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.13% is below the guideline minimum of 45%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 784 is 164 points above minimum program requirement of 620.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 73.77%; guidelines allow 97%. |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | XXXXXX | TX | 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 updated valuation | No | Loan is PIW approved, Clayton<br>to order BPO. | 1/26/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.13% is below the guideline minimum of 45%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 784 is 164 points above minimum program requirement of 620.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 73.77%; guidelines allow 97%. |
| &nbsp;&nbsp;&nbsp;132 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | State Consumer Protection | Active B | CMPSTCP1537 | MN Home Loan -<br>No acknowledgement of Oral Tax/Insurance<br>Disclosure in file. | No | Missing MN Home Loan -<br>No acknowledgement of Oral Tax/Insurance<br>Disclosure | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 36% below guidelines 95<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 765 fico score exceeds guidelines 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 19% dti max dti 45 |
| &nbsp;&nbsp;&nbsp;132 | XXXXXX | XXXXXX | MN | 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 contains Property<br>Inspection Waiver (PIW)/AW | No | Loan Approved with PIW;<br>Clayton to order a BPO | 1/26/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 36% below guidelines 95<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 765 fico score exceeds guidelines 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 19% dti max dti 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 Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial<br>Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;132 | XXXXXX | XXXXXX | MN | 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 updated valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 1/26/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 36% below guidelines 95<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 765 fico score exceeds guidelines 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 19% dti max dti 45 |
| &nbsp;&nbsp;&nbsp;136 | 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 contains Property<br>Inspection Waiver (PIW)/AW | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 mid score > min required of 620<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Via consecutive payment histories: 0x30 x77 months |
| &nbsp;&nbsp;&nbsp;136 | 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 updated valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 mid score > min required of 620<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Via consecutive payment histories: 0x30 x77 months |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | APR<br>Tolerance | Satisfied B A | CMPAPRT110 | APR -<br>Insufficient Information for APR-<br>Payment Stream Testing | No | Unable to<br>complete<br>APR<br>testing due<br>to missing<br>MI Cert | 1/26/2026:<br>Received<br>MI Cert. | 1/26/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 26 months when 12 months are required.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 qualifying score. Min required per guidelines is 660.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 33.26%, max per guidelines is 43% |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Compliance | Documentation | Satisfied C A | CMPDOC5455 | Mortgage Insurance required but<br>MI Certificate is missing | No | Provide<br>MI<br>Certificate. | (No Data) | (No Data) | Not<br>Applicable | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 26 months when 12 months are required.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 qualifying score. Min required per guidelines is 660.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 33.26%, max per guidelines is 43% |

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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 Factors** |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | XXXXXX | WA | 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 UCDP. Clayton to order Desk Review. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 26 months when 12 months are required.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 qualifying score. Min required per guidelines is 660.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 33.26%, max per guidelines is 43% |
| &nbsp;&nbsp;&nbsp;141 | 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 UCDP LCA score — Clayton to order CDA | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 780 is 160 points above program minimum requirement of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $11,078.15 or 3.26 PITIA |
| &nbsp;&nbsp;&nbsp;142 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor | 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. Clayton to order Desk Review. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 751 mid score > min required of 620.<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 24 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU and LCA scores missing. Clayton to order desk review. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 708 is 88 points above minimum program requirement of 620.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio of $3.28%.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $39,746.78/6.51 PITIA which is > guideline minimum. |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | XXXXXX | MA | 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 provided. Clayton to order Desk Review. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified 19.10% DTI. Max allowed 45%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 801 median FICO. Min 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 Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;148 | XXXXXX | XXXXXX | LA | 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 updated valuation | No | Missing updated valuation. UCDP findings not provided. Clayton to<br>order desk review. | 1/26/2026: Received CDA supporting value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 9 years and 0 months in current profession.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 802 FICO score. Minimum required 620. |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | DTI | Satisfied C A | CRDDTI134 | Debt Ratio Exception =>10% | No | Per AUS, royalties income to be verified it will be received for<br>36 months and be claimed on Schedule E of 1040s Income<br>removed due to letter from borrower (pg 707), stating income can not<br>be verified it will continue for 36 months and the income is not<br>claimed on 1040s. | 2/2/2026: Received docs to show income received 2022,<br>2023, 2024 and Instructions noting income is continuous unless<br>XXX ceases production. Verified $16,119.92/month using<br>2024/2023 average. DTI is 13.88%. | 2/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 779 is 159 points above minimum program requirement of 620.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 444 months.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower on current job for over 10 years. |
| &nbsp;&nbsp;&nbsp;151 | 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 updated valuation | No | No UCDP provided. Clayton to order desk review. | 1/27/2026: Received CDA supporting value. | 1/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 779 is 159 points above minimum program requirement of 620.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 444 months.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower on current job for over 10 years. |
| &nbsp;&nbsp;&nbsp;152 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA -<br>List of homeowners counseling organizations not in<br>file | No | Initial application date was taken XXX, the Housing<br>Counselors List was not provided. Provide the Housing Counselors<br>List within 3 days of application. | (No Data) | (No Data) (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> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 79.58%; guidelines allow 97%. |
| &nbsp;&nbsp;&nbsp;152 | 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 updated valuation | No | CU or LCA scores missing. Clayton to order desk review. | 1/26/2026: Received CDA supporting value. | 1/26/2026:<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> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 79.58%; guidelines allow 97%. |

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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 Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;154 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Assets | Active B | CRDAST205 | Insufficient<br>Funds to Close | No | Funds required to close $133.78, no assets verified to<br>support cash to close. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 782 exceeds guidelines of 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 7.62% is below guideline requirement of 45%. |
| &nbsp;&nbsp;&nbsp;154 | 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 C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is PIW approved, Clayton to order BPO. | 1/26/2026: Received BPO supporting value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 782 exceeds guidelines of 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 7.62% is below guideline requirement of 45%. |
| &nbsp;&nbsp;&nbsp;154 | 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 PIW approved. Clayton to order BPO. | 1/26/2026: Received BPO supporting value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 782 exceeds guidelines of 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 7.62% is below guideline requirement of 45%. |
| &nbsp;&nbsp;&nbsp;157 | XXXXXX | XXXXXX NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Income/<br>Employment | Satisfied D A | CRDINC2302 | Missing<br>Required<br>Income<br>Documentation | No | Missing a current paystub for B1 to supported income of<br>$6,661 per month. Paystub provided in the file is from<br>2024 | 1/26/2026: Received 10/30, 10/15, 9/30, 9/15 paystubs.<br>$3,996.60 X 2 = $7,993.20/month. YTD 10/30<br>$75343.39 /10 months = $7,534.34/month. | 1/26/2026:<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 15 years<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 64.16%. Max 95%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 784. Minimum required 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $55,.259.38 or 12.50 months PITI reserves. No reserves required |
| &nbsp;&nbsp;&nbsp;157 | XXXXXX | XXXXXX NJ | 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 (PIW)/<br>AW | No | Loan is PIW approved, Clayton to order BPO | 1/22/2026: Received BPO supporting value. | 1/22/2026:<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 15 years<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 64.16%. Max 95%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 784. Minimum required 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $55,.259.38 or 12.50 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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;157 | 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 updated valuation | No | Loan is PIW approved, Clayton to order BPO. | 1/22/2026: Received BPO supporting value. | 1/22/2026:<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 15 years<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 64.16%. Max 95%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 784. Minimum required 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $55,.259.38 or 12.50 months PITI reserves. No reserves required |
| &nbsp;&nbsp;&nbsp;158 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to Repay/Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/<br>Qualified Mortgage<br>rule; the loan file is missing documents to complete<br>the ATR/QM review and render an accurate ATR/QM<br>status. | No | Missing verification of PITI(A) for departure residence<br>located on XXX of $2071.00 as stated on the final<br>1003. | 1/26/2026: Received mortgage stmnt verifying $2,071.65<br>PITI. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing Assets: $627,065.89; reserves required $0.00<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.51% is below guideline requirement 45%. |
| &nbsp;&nbsp;&nbsp;158 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-<br>subject PITI | No | Missing verification of PITI(A) for departure residence<br>located on XXX of $2071.00 as stated on the final<br>1003. | 1/26/2026: Received mortgage stmnt verifying $2,071.65<br>PITI. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing Assets: $627,065.89; reserves required $0.00<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.51% is below guideline requirement 45%. |
| &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 updated valuation | No | Missing Updated Valuation: LCA score not established.<br>Clayton to order desk review. | 1/26/2026: Received CDA supporting value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing Assets: $627,065.89; reserves required $0.00<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.51% is below guideline requirement 45%. |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | XXXXXX | ND | 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 contains Property Inspection Waiver (PIW)/<br>AW | No | Loan is PIW approved, Clayton to order BPO | 2/2/2026: Received BPO supporting value. | 2/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for over 5 years.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 41.33% is below max DTI of 45%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 798 FICO score. Minimum required 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified for reserves $22,634.58 or 10.44 mos. None 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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | XXXXXX | ND | 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 updated valuation | No | Loan is approved PIW. Clayton to order BPO. | 2/2/2026:<br>Received<br>BPO<br>supporting<br>value. | 2/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for over 5 years.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 41.33% is below max DTI of 45%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 798 FICO score. Minimum required 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified for reserves $22,634.58 or 10.44 mos. None required |
| &nbsp;&nbsp;&nbsp;163 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to Repay/Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/<br>Qualified Mortgage<br>rule; the loan file is missing documents to complete<br>the ATR/QM review and render an accurate ATR/QM<br>status. | No | Missing proof that the taxes and insurance are included in<br>the monthly mortgage payment for the properties on<br>XXX and XXX. | 1/26/2026:<br>Received<br>proof PITI<br>is<br>included<br>for both. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 708 exceeds the guideline program minimum of 620.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job, 5 years and 4 months.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $6,799.99 or 1.71 months PITI, Required PITI Reserves are $0 |
| &nbsp;&nbsp;&nbsp;163 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-<br>subject PITI | No | Missing proof that the taxes and insurance are included in<br>the monthly mortgage payment for the properties on<br>XXX and XXX. | 1/26/2026:<br>Received<br>proof PITI<br>is<br>included<br>for both. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 708 exceeds the guideline program minimum of 620.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job, 5 years and 4 months.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $6,799.99 or 1.71 months PITI, Required PITI Reserves are $0 |
| &nbsp;&nbsp;&nbsp;163 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | LCA (or CU) score is >2.5. Clayton to order desk<br>review. | 1.29.26<br>Desk<br>review<br>received<br>value<br>supported. | 1.29.26<br>Exception<br>Satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 708 exceeds the guideline program minimum of 620.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job, 5 years and 4 months.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $6,799.99 or 1.71 months PITI, Required PITI Reserves are $0 |
| &nbsp;&nbsp;&nbsp;164 | 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 contains Property Inspection Waiver (PIW)/<br>AW | No | Loan is PIW approved, Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 750 is 130 points above minimum program requirement of 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.65% is below the guideline maximum of 50%.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 64.12%; guidelines allow 80%.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 281 months.<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 290 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 Factors** |
| &nbsp;&nbsp;&nbsp;164 | 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 PIW approved, Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 750 is 130 points above minimum program requirement of 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.65% is below the guideline maximum of 50%.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 64.12%; guidelines allow 80%.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 281 months.<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 290 months. |
| &nbsp;&nbsp;&nbsp;169 | 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 Fannie CU score. Clayton to order desk review. | 1/27/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has over 121 months mortgage payment history 0x30.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 732 is 122 points above minimum program requirement of 620.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 71 months. |
| &nbsp;&nbsp;&nbsp;170 | XXXXXX | XXXXXX | MN | 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 approved with LP with a Property Inspection Waiver<br>(PIW); Clayton to order a BPO | 1/26/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 10 years in current profession<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 24% |
| &nbsp;&nbsp;&nbsp;170 | XXXXXX | XXXXXX | MN | 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 approved PIW. Clayton to order BPO. | 1/26/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 10 years in current profession<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 24% |
| &nbsp;&nbsp;&nbsp;173 | XXXXXX | XXXXXX | NJ | 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 > 2.5. Clayton to order desk review. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 84 mos. 0x30.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 15 years in same line of work. B2 has 24 years in same line of work.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 19 years 4 months 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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX | MS | 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 ROR Form Used -<br>H8 Form Used in Refinance With Original<br>Creditor | No | H8 used on a lender to lender refinance- Regulation Z<br>designates the H9 rescission form as the form designed for same<br>lender refinance transactions; for this loan the lender is using the<br>H8 form. Regulation Z has language allowing the use of a<br>substantially similar notice.Claytons view has been that an H8 protects<br>the lender and assignee to at least the same extent as an H9,<br>but Clayton recognized that one could think that the mere<br>existence of the H9 takes away the substantially similar notice<br>argument. The majority of U.S. Circuit Courts that have opined on the<br>issue have upheld the use of an H8 in a same-lender refinance;<br>therefore, Clayton grades the use of an H8 form in a same-lender<br>refinance as a level 2 condition | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 226 months.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 794 is 174 points above minimum program requirement of 620.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower's credit ratio of 0.85%.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 97%. |
| &nbsp;&nbsp;&nbsp;174 | 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 C B A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver<br>(PIW)/AW | No | Loan is PIW approved, Clayton to order BPO. | 1/22/2026: Received BPO supporting value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 226 months.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 794 is 174 points above minimum program requirement of 620.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower's credit ratio of 0.85%.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 97%. |
| &nbsp;&nbsp;&nbsp;174 | 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 updated valuation | No | Loan is approved PIW. Clayton to order BPO. | 1/22/2026: Received BPO supporting value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 226 months.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 794 is 174 points above minimum program requirement of 620.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower's credit ratio of 0.85%.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 97%. |
| &nbsp;&nbsp;&nbsp;175 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID -<br>Zero tolerance fee or fees increased at or prior to<br>closing without a valid reason or not timely<br>disclosed; refund required within 60 days of<br>consummation | No | Zero percent tolerance fail of $100.00. Due to Title<br>Examination fee added in the amount of $100.00 on LE issued XXX with<br>no/invalid internal COC in file. Provide Internal COC reflecting<br>valid reason for the fee changes within 3 business days of<br>change or PCCD with cure, copy of cure check, LOE to Borrower<br>and Evidence of delivery via shipping method including tracking, within<br>60 days of discovery. | 2.2.2026 — COC provided | 2.2.2026 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 40.76% is < the maximum DTI of 45%.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, the borrower has been employed with current employer for 7 years with a start date of 11/13/2018.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 755 is > the minimum credit score of 620. |
| &nbsp;&nbsp;&nbsp;175 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing copy of UCDP with LCA score or and updated valuation is LC<br>score is >2.5%. | 1/26/2026: Received CDA supporting value & LCA score of<br>4.5. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 40.76% is < the maximum DTI of 45%.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, the borrower has been employed with current employer for 7 years with a start date of 11/13/2018.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 755 is > the minimum credit score 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 Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial<br>Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;176 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | 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<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 31% |
| &nbsp;&nbsp;&nbsp;179 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA -<br>List of homeowners counseling organizations not in<br>file | No | Missing<br>Homeowners<br>Counseling<br>Disclosure | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 777 median FICO. Minimum required 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified 39.16% DTI. Max allowed 45%. |
| &nbsp;&nbsp;&nbsp;179 | 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 updated valuation | No | No UCDP<br>provided.<br>Clayton to<br>order Desk<br>Review. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 777 median FICO. Minimum required 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified 39.16% DTI. Max allowed 45%. |
| &nbsp;&nbsp;&nbsp;181 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $84,346.75/17.12 PITIA which is > guideline minimum.<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 329 months.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio of 5.61%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 788 is 168 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | XXXXXX | OR | 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 contains Property Inspection Waiver<br>(PIW)/AW | No | PIW<br>approved<br>loan.<br>Clayton to<br>order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $52,972.89/24.86 PITIA which is > DU required of $0.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 767 is 147 points above minimum program requirement of 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.36% DTI < maximum 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 Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;183 | 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 approved. Clayton to order BPO. | 1/22/2026: Received BPO supporting value. | 1/22/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $52,972.89/24.86 PITIA which is > DU required of $0.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 767 is 147 points above minimum program requirement of 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.36% DTI < maximum permitted of 45% |
| &nbsp;&nbsp;&nbsp;184 | 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 approved PIW. Clayton to order BPO. | 1/22/2026: Received BPO not supporting value. | 1/22/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 727 median FICO. Min required 620. |
| &nbsp;&nbsp;&nbsp;184 | 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 approved PIW. Clayton to order BPO. | 1/22/2026: Received BPO not supporting value. | 1/22/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 727 median FICO. Min required 620. |
| &nbsp;&nbsp;&nbsp;184 | XXXXXX | XXXXXX | NC | 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 | 1/22/2026: Exception added after review of trailing docs: 1/22/2026: Received BPO not<br>supporting value by (-13.67%). Clayton to order next level review. | 1/28/2026: Received 2055 Exterior Only supporting value. | 1/28/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 727 median FICO. Min required 620. |
| &nbsp;&nbsp;&nbsp;186 | XXXXXX | XXXXXX | TN | 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 PIW approved, Clayton to order BPO. | 1/22/2026: Received BPO supporting value. | 1/22/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 750 FICO score. Minimum required 620.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years and 0 months in 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 Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial<br>Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;186 | 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 D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 750 FICO score. Minimum required 620. CFCFS2854: Significant time in profession - Clayton Comments: 10 years and 0 months in current profession. |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | APR<br>Tolerance | Satisfied B A | CMPAPRT110 | APR -<br>Insufficient<br>Information<br>for APR-<br>Payment<br>Stream<br>Testing | No | Missing<br>Mi cert | 1/26/2026:<br>Received<br>MI Cert. | 1/26/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $5533.14 available reserves. None required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 82.241% LTV is below the 95% max. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 752 FICO score is above the 620 min . |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | Documentation | Satisfied C A | CMPDOC5455 | Mortgage<br>Insurance<br>required<br>but MI<br>Certificate<br>is missing | No | MI cert<br>not<br>provided | 1/26/2026:<br>Received<br>MI Cert. | 1/26/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $5533.14 available reserves. None required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 82.241% LTV is below the 95% max. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 752 FICO score is above the 620 min . |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | XXXXXX | VA | 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 LCA<br>score in<br>file.<br>Clayton<br>to order<br>desk<br>review. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $5533.14 available reserves. None required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 82.241% LTV is below the 95% max. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 752 FICO score is above the 620 min . |
| &nbsp;&nbsp;&nbsp;191 | 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 | Loan<br>approved<br>with LP<br>without a<br>LCA<br>score.<br>Clayton<br>to order<br>Desk<br>Review. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 78% CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 30% |

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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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;192 | 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 updated valuation | No | Missing LCA score. Clayton to order desk review. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has over 63 months mortgage payment history 0x30.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 165 months.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 791 is 171 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;193 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied D A | CMPTRID5111 | TRID -<br>LE delivered only via e-<br>mail but there is no prior e-<br>sign consent in file; by<br>regulation, LE must be<br>treated as not delivered | No | Please provide a LE signed and acknowledged by the<br>borrower. | 2.2.2026 -<br>E consent<br>provided | 2.2.2026 -<br>Exception<br>satsified (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 12 years at current job.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 21.89 is below max of 50%. |
| &nbsp;&nbsp;&nbsp;193 | 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 contains<br>Property Inspection<br>Waiver (PIW)/AW | No | Loan is PIW approved, Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 12 years at current job.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 21.89 is below max of 50%. |
| &nbsp;&nbsp;&nbsp;193 | 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 updated valuation | No | Loan is PIW approved, Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 12 years at current job.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 21.89 is below max of 50%. |
| &nbsp;&nbsp;&nbsp;201 | 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 contains<br>Property Inspection<br>Waiver (PIW)/AW | No | PIW approved loan. Clayton to order BPO. | 1/28/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/28/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 131 months.<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has over 49 months mortgage payment history 0x30.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 801 is 41 points above minimum program requirement of 640. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial**<br> **Lender**<br> **ATR/<br>QM**<br> **Status** | **Loan**<br> **Level**<br> **ATR/<br>QM**<br> **Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial<br>Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;201 | 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 | PIW<br>approved<br>loan.<br>Clayton<br>to order<br>BPO. | 1/28/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/28/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 131 months.<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has over 49 months mortgage payment history 0x30.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 801 is 41 points above minimum program requirement of 640. |
| &nbsp;&nbsp;&nbsp;203 | 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 is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 784 which exceeds min. required per guidelines of 620<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: 1.00% revolving credit utilization |
| &nbsp;&nbsp;&nbsp;203 | 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<br>to order<br>BPO | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 784 which exceeds min. required per guidelines of 620<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: 1.00% revolving credit utilization |
| &nbsp;&nbsp;&nbsp;206 | 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 | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 mid score > min required of 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for 9 years. |
| &nbsp;&nbsp;&nbsp;206 | 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. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 mid score > min required of 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for 9 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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA -<br>List of homeowners counseling organizations not in<br>file | No | List of homeowners counseling organizations missing | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 22 years at a current residence |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Active C | CMPTRID3626 | TRID -<br>CD: Loan consummated before end of waiting period | Yes | The Final LE Dated XXX has no Confirmation of Receipt<br>prior to Initial CD XXX. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 22 years at a current residence |
| &nbsp;&nbsp;&nbsp;208 | 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 contains Property Inspection Waiver<br>(PIW)/AW | No | Loan is PIW approved, Clayton to order BPO. | 1/26/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $12,747.56 exceed $0.00 required.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below Guidelines 97% maximum.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 808 exceeds minimum required of 620. |
| &nbsp;&nbsp;&nbsp;208 | 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 updated valuation | No | Loan is PIW approved, Clayton to order BPO. | 1/26/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $12,747.56 exceed $0.00 required.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below Guidelines 97% maximum.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 808 exceeds minimum required of 620. |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Compliance | RESPA | Active B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure<br>missing | No | Missing Affiliate Business Disclosure. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 82 months reviewed reporting 0 late payments.<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has an excellent mortgage 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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID -<br>Zero tolerance fee or fees increased at or prior to<br>closing without a valid reason or not timely<br>disclosed; refund required within 60 days of<br>consummation | No | $700.80 Zero Tolerance due to increase in additional Lock<br>Extension Fee from $0.00 to $700.80, without a valid Change in<br>Circumstance (CIC). Requires CIC, or corrected PCCD, copy<br>of refund check, LOX and verification of shipping. | 2.5.2026<br>— COC<br>provided | 2.5.2026 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 82 months reviewed reporting 0 late payments.<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has an excellent mortgage payment history with 99 months reviewed reporting 0 late payments. |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | XXXXXX | ID | 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 updated valuation | No | Missing updated valuation CU score is >2.5. Clayton to order<br>desk review. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 82 months reviewed reporting 0 late payments.<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has an excellent mortgage payment history with 99 months reviewed reporting 0 late payments. |
| &nbsp;&nbsp;&nbsp;210 | 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 contains Property Inspection Waiver<br>(PIW)/AW | No | Loan is approved PIW. Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 790 FICO score. Minimum required 620.<br> CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history 0X30X104 |
| &nbsp;&nbsp;&nbsp;210 | 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 updated valuation | No | Loan is approved PIW. Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 790 FICO score. Minimum required 620.<br> CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history 0X30X104 |
| &nbsp;&nbsp;&nbsp;212 | XXXXXX | XXXXXX | VA | 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 721 is 101 points above minimum program requirement of 620.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio of 6.58%.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 97%. |

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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 Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C A | CMPTRID3618 | TRID -<br>Corrected CD should have been provided; Change of<br>Product or Product Feature not disclosed at least 3<br>business days prior to closing | No | Corrected CD should have been provided; Change of<br>Product or Product Feature not disclosed at least 3 business days<br>prior to closing | 1.29.2026 - Correction to exception comment: Missing<br>Acknowledgment of CD at least 3 days prior to consummation date XXX.<br>Earliest CD XXX was esigned on XXX. Full 3 day waiting period not<br>observed.2.2.2026 — ICD and disclosure tracking provided. | 1.29.2026 -<br>Exception remains2.2.2026<br>-Exception satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 790 is 170 points above minimum program requirement of 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.40% is below the guideline minimum of 45%.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 97%. |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID -<br>CD: Loan consummated before end of waiting period | No | Disbursement date was XXX | 1.29.2026 - Correction to exception comment: Missing<br>Acknowledgment of CD at least 3 days prior to consummation date XXX.<br>Earliest CD XXX was esigned on XXX. Full 3 day waiting period not<br>observed.2.2.2026 — ICD and disclosure tracking provided. | 1.29.26 - Exception<br>remains2.2.2026 -<br>Exception satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 790 is 170 points above minimum program requirement of 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.40% is below the guideline minimum of 45%.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 97%. |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID -<br>Zero tolerance fee or fees increased at or prior to<br>closing without a valid reason or not timely<br>disclosed; refund required within 60 days of<br>consummation | No | Zero Tolerance Fee of $420.55 due to addition of HOA Cert<br>$180.00 and HOA processing $180.55 and an additional Doc Prep<br>IAO $60.00. Missing a valid Change of Circumstance, or Post<br>Close CD, LOX and copy of refund check to borrower. | 2.2.2026 - COC provided | 2.2.2026 - Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 790 is 170 points above minimum program requirement of 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.40% is below the guideline minimum of 45%.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 97%. |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Income/<br>Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing 2024 W-2 form. Required per AUS findings. | 2/5/2026: Received 2024 W2. | 2/5/2026: Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 790 is 170 points above minimum program requirement of 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.40% is below the guideline minimum of 45%.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 97%. |
| &nbsp;&nbsp;&nbsp;214 | 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 updated valuation | No | Missing updated valuation. LCA score > 2.5. Clayton to order<br>desk review. | 1/26/2026: Received CDA supporting value. | 1/26/2026: Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Departure residence: 0x30 x51 months<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 mid score > min required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $3,778,710.63 (727.32 months PITIA reserves) > min required 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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;215 | 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 Integrated<br>Disclosure | Satisfied C A | CMPTRID3618 | TRID -<br>Corrected CD should have been provided; Change of<br>Product or Product Feature not disclosed at least 3<br>business days prior to closing | No | Only CD in file is dated XXX and signed XXX. Please<br>provide initial CD dated 3 days prior to consummation<br>date of XXX. | 1.28.26 —<br>ICD<br>received | 1.28.26 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 71.51% is below Guidelines maximum of 97%.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserve of $90,831.34 exceed DU required of $0.00<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 798 exceeds minimum of 620 FICO. |
| &nbsp;&nbsp;&nbsp;215 | 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 Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID -<br>CD: Loan consummated before end of waiting period | No | Only CD in file is dated XXX and signed XXX. Please<br>provide initial CD dated 3 days prior to consummation<br>date of XXX | 1.28.26 —<br>ICD<br>received | 1.28.26 —<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 71.51% is below Guidelines maximum of 97%.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserve of $90,831.34 exceed DU required of $0.00<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 798 exceeds minimum of 620 FICO. |
| &nbsp;&nbsp;&nbsp;215 | 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 C B A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver<br>(PIW)/AW | No | Loan is PIW approved, Clayton to order BPO. | 1/26/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 71.51% is below Guidelines maximum of 97%.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserve of $90,831.34 exceed DU required of $0.00<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 798 exceeds minimum of 620 FICO. |
| &nbsp;&nbsp;&nbsp;215 | 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 updated valuation | No | Loan is PIW approved, Clayton to order BPO. | 1/26/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 71.51% is below Guidelines maximum of 97%.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserve of $90,831.34 exceed DU required of $0.00<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 798 exceeds minimum of 620 FICO. |
| &nbsp;&nbsp;&nbsp;216 | 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 updated valuation | No | CU score > 2.5. Clayton to order desk review. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower occupied departure residence for 9 years.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0.28%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 808 mid score > min required of 620<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Departure residence history: 0x30 x99 months<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $97,314.51 (26.71 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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;217 | 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: Credit score of 789 is 169 points above minimum program requirement of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close asset are $184,384.01 or 34.09 PITIA |
| &nbsp;&nbsp;&nbsp;218 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation. LCA score > 2.5. Clayton to order<br>desk review. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $150,268.12 or 53 months of PITI reserves.No reserves required.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been working for the same employer for 27 years<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 23 years |
| &nbsp;&nbsp;&nbsp;219 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 30%<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 80% |
| &nbsp;&nbsp;&nbsp;221 | XXXXXX | XXXXXX | KY | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C A | CMPTRID3618 | TRID -<br>Corrected CD should have been provided; Change of<br>Product or Product Feature not disclosed at least 3<br>business days prior to closing | No | No Confirmation of Reciept of Initial CD Dated XXX at least<br>3 days prior to Consummation Date XXX. Please provide<br>Confirmation of Receipt of Initial CD. | 1.29.26 —<br>Signed<br>ICD<br>received | 1.29.26 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 99 mos. 0x30.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $54,748.58 with no reserves required.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 10 years in same line of work. B2 has 7 years in same line of work. |
| &nbsp;&nbsp;&nbsp;221 | XXXXXX | XXXXXX | KY | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID -<br>CD: Loan consummated before end of waiting period | No | No Confirmation of Reciept of Initial CD Dated XXX at least<br>3 days prior to Consummation Date XXX. Please provide<br>Confirmation of Receipt of Initial CD. | 1.29.26 —<br>Signed<br>ICD<br>received | 1.29.26 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 99 mos. 0x30.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $54,748.58 with no reserves required.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 10 years in same line of work. B2 has 7 years in same line of work. |

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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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;221 | XXXXXX | XXXXXX | KY | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Missing evidence of hazard insurance in effect at time of<br>close. Evidence of insurance in file is for timeframe 2/1/2026 —<br>2/1/2027 with note date XXX. | 2/2/2026: Received previous HOI for 2/1/2025-2/1/2026. | 2/2/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 99 mos. 0x30.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $54,748.58 with no reserves required.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 10 years in same line of work. B2 has 7 years in same line of work. |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Ability to Repay/Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/<br>Qualified Mortgage<br>rule; the loan file is missing documents to complete the<br>ATR/QM review and render an accurate ATR/QM status. | No | 1. Missing VVOE for B2. Must prove 5 years or more in<br>business to support use of only 2024 personal and business return to<br>qualify. Additional exceptions may apply.2. Missing proof HELOC

#XXX has been closed for future use. | 1/28/2026: Received verification in business since 2010.1/28/2026:<br>Received Release of Lien. | 1/28/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 6 years at current residence.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 14 years in same line of work.<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 23 mos. 0x30 and 5 mos. 0x30. |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Income/<br>Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Missing VVOE for B2. Must prove 5 years or more in<br>business to support use of only 2024 personal and business return to<br>qualify. Additional exceptions may apply. | 1/28/2026: Received verification in business since 2010. | 1/28/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 6 years at current residence.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 14 years in same line of work.<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 23 mos. 0x30 and 5 mos. 0x30. |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Legal<br>Documents | Satisfied D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to<br>future draws | No | Missing proof HELOC #XXX has been closed for future use. | 1/28/2026: Received Release of Lien. | 1/28/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 6 years at current residence.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 14 years in same line of work.<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 23 mos. 0x30 and 5 mos. 0x30. |
| &nbsp;&nbsp;&nbsp;224 | 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 contains Property Inspection Waiver (PIW)/AW | No | Loan is PIW approved, Clayton to order BPO. | 1/22/2026: Received BPO supporting value. | 1/22/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 6 years at current residence.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 14 years in same line of work.<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 23 mos. 0x30 and 5 mos. 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 Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial<br>Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;224 | 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 updated valuation | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 6 years at current residence.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 14 years in same line of work.<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 23 mos. 0x30 and 5 mos. 0x30. |
| &nbsp;&nbsp;&nbsp;225 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: CB has 11 years current residence time<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 FICO score > min. requirement of 620<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 16.7 years current job time |
| &nbsp;&nbsp;&nbsp;226 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: No lates on credit report<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: CB has 25 years at current profession.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 728 exceeds min of 620. |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA -<br>List of homeowners counseling organizations not in<br>file | No | Missing List<br>of<br>homeowners<br>counseling<br>organizations | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: CBR score of 791 exceeds the 620 required.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 30 is less than the max of 95. |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Credit | Credit/<br>Mtg<br>History | Satisfied D A | CRDCRMH189 | Missing credit report | No | Provide<br>complete<br>credit report.<br>Only page 1<br>in the file. | 1/26/2026:<br>Received<br>credit<br>report. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: CBR score of 791 exceeds the 620 required.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 30 is less than the max 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 Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial<br>Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-<br>subject PITI | No | Provide<br>proof of<br>taxes and<br>insurance<br>for XXX | 1/26/2026: Received tax info. Still need HOI.2/5/2026:<br>Received HOI dec page. Shows different insured<br>name. | 1/26/2026: Exception remains.2/5/2026: Exception satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: CBR score of 791 exceeds the 620 required.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 30 is less than the max of 95. |
| &nbsp;&nbsp;&nbsp;229 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Compliance<br>Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Missing<br>LE issued<br>within 3<br>days of<br>COC dated<br>XXX | 1.28.2026 — Missing LE received | 1.28.2026 - Exception satisfied (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves $1,389,513.71<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 825 is 205 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;229 | 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 updated valuation | No | LCA no<br>score —<br>Clayton to<br>order desk<br>review | 1/26/2026: Received CDA supporting value. | 1/26/2026: Exception satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves $1,389,513.71<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 825 is 205 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;231 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure<br>missing | No | Missing<br>required<br>Affiliate<br>Business<br>Disclosure. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | 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: 6 years.<br> CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 72 months. |
| &nbsp;&nbsp;&nbsp;232 | 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 contains Property Inspection Waiver (PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 1/22/2026: Received BPO supporting value. | 1/22/2026: Exception satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has over 54 months mortgage payment history 0x30.<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has over 54 months mortgage payment history 0x30.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 808 is 188 points above minimum program requirement 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 Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;232 | 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 updated valuation | No | Loan is PIW approved, Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has over 54 months mortgage payment history 0x30.<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has over 54 months mortgage payment history 0x30.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 808 is 188 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;234 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | DTI | Active D | CRDDTI2540 | Missing verification of some or all components of non-<br>subject PITI | Yes | Missing updated XXX HELOC Statement XXX-<br>XX for proof<br>of monthly payment of $1071.20 with unpaid<br>balance of $156,000 has not been uploaded by<br>the Lender. | (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 95%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score of 785 > 165 required guideline requirements of 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 41.40% is above the minimum program requirements of 45%<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 3.83 months of reserves exceeds guideline requirements of 0 months. |
| &nbsp;&nbsp;&nbsp;235 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | (No Data) |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | XXXXXX | MO | 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 contains Property Inspection Waiver (PIW)/<br>AW | No | PIW approved. Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower's have an excellent credit payment history with 99 months reviewed reporting 0 late payments.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 782 FICO score. Minimum required 620. |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | XXXXXX | MO | 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 updated valuation | No | Loan is approved PIW. Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower's have an excellent credit payment history with 99 months reviewed reporting 0 late payments.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 782 FICO score. 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<br>Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;237 | 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 | PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 4 years and 4 months.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 714 credit score exceeds minimum standard of 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.71% DTI is below maximum DTI of 45%. |
| &nbsp;&nbsp;&nbsp;237 | 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>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 4 years and 4 months.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 714 credit score exceeds minimum standard of 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.71% DTI is below maximum DTI of 45%. |
| &nbsp;&nbsp;&nbsp;248 | 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)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 14 mos. 0x30 and 30 mos. 0x30.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 25.12% below program max 50%.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has 9 years 2 months at current job. |
| &nbsp;&nbsp;&nbsp;248 | 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 D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 14 mos. 0x30 and 30 mos. 0x30.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 25.12% below program max 50%.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has 9 years 2 months at current job. |
| &nbsp;&nbsp;&nbsp;253 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | (No Data) |

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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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;255 | 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 C B A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver<br>(PIW)/AW | No | Loan is PIW approved, Clayton to order BPO | 1/22/2026: Received BPO supporting value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $904,659.14 or 197.44 PITIA<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 760 is 140 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;255 | 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 updated valuation | No | Loan is PIW approved. Clayton to order BPO. | 1/22/2026: Received BPO supporting value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $904,659.14 or 197.44 PITIA<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 760 is 140 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D A | Compliance | Ability to Repay/<br>Qualified<br>Mortgage | Active D | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/<br>Qualified Mortgage<br>rule; the loan file is missing documents to<br>complete the ATR/QM review and render an<br>accurate ATR/QM status. | Yes | Provide copy of the fully executed CD, Note and Mortgage<br>for 2nd mortgage with XXX , Loan Amount $XXX and<br>Payment $770.83 | 1/30/2026: Received the Note and Deed. Still need Final CD. | 1/30/2026:<br>Exception<br>remains. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $37,471.87 Required reserves $0<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 6 years 6 months. |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D A | Credit | Credit/Mtg<br>History | Active D | CRDCRMH149 | Missing support docs for VOM/VOR<br>(e.g. cancelled checks) | Yes | Provide copy of the fully executed CD, Note and Mortgage<br>for 2nd mortgage with XXX, Loan Amount $XXX and<br>Payment $770.83 | 1/30/2026: Received the Note and Deed. Still need Final CD. | 1/30/2026:<br>Exception<br>remains. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $37,471.87 Required reserves $0<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 6 years 6 months. |
| &nbsp;&nbsp;&nbsp;259 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID -<br>Zero tolerance fee or fees increased at or prior to<br>closing without a valid reason or not timely<br>disclosed; refund required within 60 days of<br>consummation | No | Zero tolerance fail for $21.70 due to increased transfer taxes<br>on final CD XXX. No documentation provided disclosing<br>increase in fee.<br>Please provide either documentation or Letter of<br>explanation, corrected Closing Disclosure, refund, proof of<br>delivery within 60 days of consummation to cure. | 1.28.26 — COC provided | 1.28.26 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 789 is 169 points above program minimum requirement of 620.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower1 has been XXX over 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<br>Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;262 | 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: Credit score of 806 is 186 points above minimum program requirement of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $20483.93/5.89 PITIA. Reserves are not required. |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Legal<br>Documents | Satisfied D A | CRDLGL2996 | Missing<br>Trust<br>Documents | No | Missing<br>Trust<br>documents | 2/2/2026:<br>Received<br>notarized<br>Trust Cert. | 2/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0X30X50.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 8 years 10 months.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 10 years 5 months. |
| &nbsp;&nbsp;&nbsp;265 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job, 7 years 10 months.<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0X30X46. |
| &nbsp;&nbsp;&nbsp;267 | XXXXXX | XXXXXX | MS | 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 | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid FICO score of 779 is > min. requirement of 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has 9.4 years current job time<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: PITIA reserves above minimum by 6 months or higher |
| &nbsp;&nbsp;&nbsp;267 | 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)/AW | No | Loan<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid FICO score of 779 is > min. requirement of 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has 9.4 years current job time<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: PITIA reserves above minimum by 6 months or higher |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial**<br> **Lender**<br> **ATR/<br>QM**<br> **Status** | **Loan**<br> **Level**<br> **ATR/<br>QM**<br> **Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial<br>Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;267 | 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>PIW.<br>Clayton<br>to order<br>BPO | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid FICO score of 779 is > min. requirement of 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has 9.4 years current job time<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: PITIA reserves above minimum by 6 months or higher |
| &nbsp;&nbsp;&nbsp;271 | 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 738 median FICO. Minimum required 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified 32.48% DTI. Max allowed 45%. |
| &nbsp;&nbsp;&nbsp;274 | 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 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. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 FICO exceeds program min by > 20 points<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 27.26% DTI is below program max by > 10%<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 3% revolving credit utilization. |
| &nbsp;&nbsp;&nbsp;274 | 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>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 FICO exceeds program min by > 20 points<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 27.26% DTI is below program max by > 10%<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 3% revolving credit utilization. |
| &nbsp;&nbsp;&nbsp;275 | XXXXXX | XXXXXX | TX | 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 $71,542.75 or 16.77 months of PITIA.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 30 years.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 754 exceeds min score requirement 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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;277 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure<br>missing | No | Missing Affiliate Business Disclosure | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 33.64% is above the minimum program requirements of 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score of 811 > 191 required 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;277 | XXXXXX | XXXXXX | AR | 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 contains Property Inspection Waiver<br>(PIW)/AW | No | Loan is PIW approved, Clayton to orderBPO | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 33.64% is above the minimum program requirements of 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score of 811 > 191 required 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;277 | XXXXXX | XXXXXX | AR | 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 updated valuation | No | Loan is PIW approved, Clayton to order BPO | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 33.64% is above the minimum program requirements of 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score of 811 > 191 required 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;280 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID -<br>Zero tolerance fee or fees increased at or prior to<br>closing without a valid reason or not timely<br>disclosed; refund required within 60 days of<br>consummation | No | Zero Tolerance Fee of $3,439.43 due to increase in<br>Origination Fee from $5158 on LE XXX to $8597.43 on Final CD XXX.<br>Missing a valid Change of Circumstance, or Post Close CD, LOX and<br>copy of refund check to borrower. | 1.28.26 —<br>COC<br>provided | 1.28.26 —<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 657 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;280 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | CU score is >2.5. Clayton to order desk review. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 657 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. |

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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 Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial<br>Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;281 | XXXXXX | XXXXXX | TX | 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 with the employer for 23 years 5 months<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 60.90% and guidelines allow the HCLTV to be 80%. |
| &nbsp;&nbsp;&nbsp;285 | 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: Verified assets of $615,209.43; required assets of $141,539.44; verified reserves of $473,669.99 or 88.77 months reserves; required reserves $0.00.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 33.79% is < the maximum DTI of 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 797 is > the minimum credit score of 620.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is < the maximum LTV of 97%.<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Current mortgage for investment property was reviewed for 57 months with 0 x 30. |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX | MN | 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 $673,523.34 or 148.31 months of PITI Required P&I Reserves are $0.00<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower using less than 10% of available credit<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrower bas no history of late payments |
| &nbsp;&nbsp;&nbsp;288 | 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 updated valuation | No | LCA<br>score not<br>available;<br>Clayton<br>to order<br>desk<br>review | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have excess reserves with no reserves required |
| &nbsp;&nbsp;&nbsp;290 | 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 | Satisfied C B | CMPTXHE119 | Texas Equity -<br>Affidavit of Fair Market Value not signed by<br>lender | No | Affidavit<br>of Fair<br>Market<br>Value in<br>file not<br>signed by<br>lender | 2.9.2026<br>—<br>Executed<br>FMV by<br>lender<br>received. | 2.9.2026 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $64,640.10 or 13.37<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 772 is 152 points above program minimum requirement 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<br>Comments** | **Client/Seller Response Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Active D B | PRVAAPPR275 | Completed<br>"Subject<br>To" w/o<br>Completion<br>Cert in File | No | Missing<br>1004D<br>completion<br>report. | 1/26/2026: Received LOX. appraisal is subject to<br>landscaping and irrigation to be completed by<br>7/2026. | 1/26/2026:<br>Exception<br>remains<br>level 2. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 47%; guidelines allow 50%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 770 is above the minimum of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: reserves of $384355.22 verified |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>is 4.<br>Clayton to<br>order Desk<br>Review. | 1/27/2026: Received CDA supporting value. | 1/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 47%; guidelines allow 50%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 770 is above the minimum of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: reserves of $384355.22 verified |
| &nbsp;&nbsp;&nbsp;294 | XXXXXX | XXXXXX | TX | 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>required<br>Affiliate<br>Business<br>Disclosure | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: CBR score of 721 exceeds the 620 required.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80 is less than the max of 95. |
| &nbsp;&nbsp;&nbsp;294 | 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 | LCA is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 1/26/2026: Received CDA supporting value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: CBR score of 721 exceeds the 620 required.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80 is less than the max of 95. |
| &nbsp;&nbsp;&nbsp;295 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 773<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: 18% consumer credit utilization in file |

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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 Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;296 | 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 contains Property Inspection Waiver<br>(PIW)/AW | No | Loan approved with a Property Inspection Waiver (PIW);<br>Clayton to order a BPO | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 6.00% revolving credit utilization<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 23.59% is < max. allowable per guides of 45% |
| &nbsp;&nbsp;&nbsp;296 | 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 updated valuation | No | Loan approved with a Property Inspection Waiver (PIW);<br>Clayton to order a BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 6.00% revolving credit utilization<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 23.59% is < max. allowable per guides of 45% |
| &nbsp;&nbsp;&nbsp;297 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA -<br>List of homeowners counseling organizations not in<br>file | No | Missing List of homeowners counseling organizations | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 718 exceeds min score requirement of 620.<br> CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 38 months.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99. |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 mid score > min required of 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 15% |
| &nbsp;&nbsp;&nbsp;299 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) C B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver<br>(PIW)/AW | No | Loan approved with PIW. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99.<br> CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 59 months.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer in the past: 10 years.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 771 exceeds min score requirement of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $146,808.88 or 38.78 months of PITI.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer in the past: 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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition 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 Factors** |
| &nbsp;&nbsp;&nbsp;300 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | Right of<br>Rescission | Satisfied B | CMPROR117 | ROR -<br>Expiration date on form prior to end of rescission<br>period | No | Only CDs provided issued XXX and XXX. CD XXX tested as<br>Final. Disbursement date before end of rescission period. Please<br>provide Final CD. | 2.2.2026<br>— COC<br>and<br>missing<br>CD<br>received. | 2.2.2026 -<br>Exception<br>satisfied | (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 77.03%; guidelines allow 97%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 748 is 128 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;300 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | Right of<br>Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory<br>rescission period | No | Only CDs provided issued XXX and XXX. CD XXX tested as<br>Final. Disbursement date before end of rescission period. Please<br>provide Final CD. | 2.2.2026<br>— COC<br>and<br>missing<br>CD<br>received. | 2.2.2026 -<br>Exception<br>satisfied | (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 77.03%; guidelines allow 97%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 748 is 128 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;300 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C A | CMPTRID3640 | TRID -<br>CD: Zero tolerance fee or fees increased at or prior to<br>closing without a valid reason or the revised LE/CD<br>was not timely disclosed; insufficient credit or refund<br>provided | No | $5 Zero Percent Tolerance Violation due to increase in Loan<br>Points from $1680 to $1685 at or prior to closing without a valid<br>Change in Circumstance. Requires CIC, or corrected PCCD,<br>copy of refund check, LOX and verification of shipping. | 2.2.2026<br>— COC<br>and<br>missing<br>CD<br>received. | 2.2.2026 -<br>Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 77.03%; guidelines allow 97%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 748 is 128 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;301 | 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 updated valuation | No | Missing updated valuation. LCA Risk could not be assessed.<br>Clayton to order desk review. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80 is below Accept mortgage requirement max of 95.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score of 794 exceeds guideline requirement of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $3,649.34 exceeds required reserves of $0.00.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 25.02 is below guideline requirement max of 45. |
| &nbsp;&nbsp;&nbsp;304 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support appraised value of $XXX.<br>CU score in file is 3.8. Clayton to order Desk Review. | 1/27/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/27/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score of 723 > 103 required guideline requirements of 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 10 years and 0 months.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 47.84% 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 Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;305 | 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 C B A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW | No | Loan Approved with PIW. Clayton to order<br>BPO. | 1/26/2026: Received BPO supporting value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 793 fico score exceeds guidelines 620 fico<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: 5 years in profession<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are 79020.54 or 25.83 months of P&I |
| &nbsp;&nbsp;&nbsp;305 | 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 updated valuation | No | Loan is approved PIW. Clayton to order BPO. | 1/26/2026: Received BPO supporting value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 793 fico score exceeds guidelines 620 fico<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: 5 years in profession<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are 79020.54 or 25.83 months of P&I |
| &nbsp;&nbsp;&nbsp;313 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing HUD/<br>CD from sale of prior residence to verify asset<br>amount. | 2/2/2026: Received Final ALTA showing $213,503.52 net<br>proceeds. | 2/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers owned departing residence for 6 years and 11 months.<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have paid 0x30 for 129 months on mortgage obligations.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 credit score exceeds standard minimum of 620. |
| &nbsp;&nbsp;&nbsp;313 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Legal<br>Documents | Satisfied D A | CRDLGL101 | Missing legal docs for senior or subordinate loan | No | Missing all documents for subordinate lien for<br>$XXX. | 2/2/2026: Received HELOC docs. | 2/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers owned departing residence for 6 years and 11 months.<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have paid 0x30 for 129 months on mortgage obligations.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 credit score exceeds standard minimum of 620. |
| &nbsp;&nbsp;&nbsp;313 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | CU score is >2.5. Clayton to order desk<br>review. | 1/26/2026: Received CDA supporting value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers owned departing residence for 6 years and 11 months.<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have paid 0x30 for 129 months on mortgage obligations.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 credit score exceeds standard 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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID Error<br>Type** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;315 | XXXXXX | XXXXXX | NC | 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 29.11 years current job time<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO score of 747 is > min. requirement of 620 |
| &nbsp;&nbsp;&nbsp;316 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Active C | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD<br>Loan Disclosures section is selected and both or neither of You<br>declined it and/or Your lender does not offer one are selected | Yes | The final CD has "Will Not Have an Escrow Account in the<br>CD Loan Disclosures" selected, but neither You declined it and/or Your lender does not offer one are selected. LOX<br>and post-consummation CD within 60 days of consummation. | (No Data) | (No Data) | Non-Numeric | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 18 years<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reporting to credit is positive.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $365,891.52 (62.07 months PITIA reserves) > min required of $0 |
| &nbsp;&nbsp;&nbsp;316 | XXXXXX | XXXXXX | TX | 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 contains Property Inspection Waiver (PIW)/AW | No | Loan approved with PIW. Clayton to order BPO | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 18 years<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reporting to credit is positive.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $365,891.52 (62.07 months PITIA reserves) > min required of $0 |
| &nbsp;&nbsp;&nbsp;316 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Loan approved with PIW. Clayton to order BPO | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 18 years<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reporting to credit is positive.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $365,891.52 (62.07 months PITIA reserves) > min required of $0 |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $286,694.46 or 55.64 months PITIA exceeds the DU required amount of $0.00.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 11+ years.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 789 Credit score exceeds guidelines 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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;322 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been working for the same employer for 8 years.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 8 years |
| &nbsp;&nbsp;&nbsp;329 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure<br>missing | No | Required Affiliate Business Disclosure | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 784 credit score; 620 minimum required FICO<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $204,591.96 or 33 months of PITI. 0 required reserves<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has 22.25 years in the same profession |
| &nbsp;&nbsp;&nbsp;329 | 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 updated valuation | No | LCA returned no score. Clayton to order desk review. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 784 credit score; 620 minimum required FICO<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $204,591.96 or 33 months of PITI. 0 required reserves<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has 22.25 years in the same profession |
| &nbsp;&nbsp;&nbsp;330 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C A | CMPTRID3618 | TRID -<br>Corrected CD should have been provided; Change of<br>Product or Product Feature not disclosed at least 3<br>business days prior to closing | No | Only CD in file is dated XXX and signed XXX. Please<br>provide initial CD dated 3 days prior to consummation<br>date of XXX. | 1.29.26 —<br>ICD<br>received | 1.29.26 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $2,105,402.17 less income distribution of $609,750 ($16,937.50 x 36 months) = $1,495,652.17 = 194.35 months PITIA reserves. Required reserves = $0<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 723 mid score > min required of 620<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: (Previous mortgage) 0x30 x greater than 99 months |
| &nbsp;&nbsp;&nbsp;330 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID -<br>CD: Loan consummated before end of waiting period | No | Only CD in file is dated XXX and signed XXX. Please<br>provide initial CD dated 3 days prior to consummation<br>date of XXX. | 1.29.26 —<br>ICD<br>received | 1.29.26 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $2,105,402.17 less income distribution of $609,750 ($16,937.50 x 36 months) = $1,495,652.17 = 194.35 months PITIA reserves. Required reserves = $0<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 723 mid score > min required of 620<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: (Previous mortgage) 0x30 x greater than 99 months |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original Principal Balance** | **State** | **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 Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;331 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D A | Compliance | Ability to Repay/Qualified<br>Mortgage | Active D | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/<br>Qualified Mortgage<br>rule; the loan file is missing documents to<br>complete the ATR/QM review and<br>render an accurate ATR/QM status. | Yes | Provide<br>Lender QM<br>Determination. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score of 732 > 112 required guideline requirements of 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 27.31% is above the minimum program requirements of 45%<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 95%<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 5 years and 9 months. |
| &nbsp;&nbsp;&nbsp;334 | XXXXXX | XXXXXX | MI | 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 8 years 10 months at current job.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has a credit line usage ratio of 15.67%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 779 is 159 points above the 620 required. |
| &nbsp;&nbsp;&nbsp;337 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 772 exceeds min score requirement of 620.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer in the past: 21 years.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 25 years.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99.<br> CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 39 months. |
| &nbsp;&nbsp;&nbsp;340 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: CB has 5 years in same line of work/profession<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 796 FICO score > min. required of 620 |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | XXXXXX | MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 795. Minimum required 620.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession over 18 years.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $27,793.01 or 5.75 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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition 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 Factors** |
| &nbsp;&nbsp;&nbsp;346 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied B | CMPTRID4056 | TRID -<br>CD: The Total Payment Amount on the Loan<br>Calculation section of the Final Closing<br>Disclosure is less than the Clayton<br>Calculated Total Payment Amount | No | The Total Payment Amount on the Loan Calculation section<br>of the Final Closing Disclosure is less than the Clayton<br>Calculated Total Payment Amount. Total payment was corrected to<br>1159222.16 with PCCD XXX. Exception satisfied | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 787 is above program minimum requirement of 620.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15.8 years current residence time<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 38.8 years current job time |
| &nbsp;&nbsp;&nbsp;346 | 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 updated valuation | No | Missing updated valuation/ CU score is >2.5. Clayton to order desk review. | 1/26/2026:<br>Received<br>CDA not<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 787 is above program minimum requirement of 620.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15.8 years current residence time<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 38.8 years current job time |
| &nbsp;&nbsp;&nbsp;346 | 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 Value Not Supported | No | 1/26/2026: Exception added after review of trailing docs: 1/26/2026: Received<br>CDA not supporting value. Clayton to order next level review. | 2/5/2026:<br>Received<br>Field<br>review<br>Report<br>supporting<br>value. | 2/5/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 787 is above program minimum requirement of 620.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15.8 years current residence time<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 38.8 years current job time |
| &nbsp;&nbsp;&nbsp;348 | 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 706 median FICO. Minimum required 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified 36.26% DTI. Max allowed 45%. |
| &nbsp;&nbsp;&nbsp;350 | 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: Qualifying fico is 801<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified 32.98% DTI. Max allowed 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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;353 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID -<br>Zero tolerance fee or fees increased at or prior to<br>closing without a valid reason or not timely<br>disclosed; refund required within 60 days of<br>consummation | No | Zero Tolerance Fee of $5 due to flood certification fee<br>increased from LE to CD. Missing a valid Change of Circumstance,<br>or Post Close CD, LOX and copy of refund check to borrower. | 2.2.2026 -<br>COC<br>Provided | 2.2.2026 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70.01 is below Standard Eligibility Requirement max of 95.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score of 739 exceeds guideline requirement of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $64,177.79 or 23.52 months PITI reserve exceeds AUS required reserves of $0.00. |
| &nbsp;&nbsp;&nbsp;358 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78% LTV for Subject Property is below guideline max LTV of 80%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score of 767 > 147 required guideline requirements of 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 7 years and 6 months.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 8.81% is above the minimum program requirements of 45% |
| &nbsp;&nbsp;&nbsp;361 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver<br>(PIW)/AW | No | Loan approved with PIW. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 30 months.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Co-Borrower has been in this line of work in the past: 25 years.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual DTI 44.69% /Max DTI 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 711 exceeds min score requirement of 620. |
| &nbsp;&nbsp;&nbsp;365 | 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 contains Property Inspection Waiver<br>(PIW)/AW | No | Loan is PIW approved. Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has retained successful and stable employment with XXX for 24 years.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 802 FICO score. Minimum required 620. |
| &nbsp;&nbsp;&nbsp;365 | 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 updated valuation | No | Loan is PIW approved. Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has retained successful and stable employment with XXX for 24 years.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 802 FICO score. 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<br>Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;367 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 710 FICO score. Minimum required 620.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 Years and 6 months at current residence.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: 4 years and 3 months in current profession. |
| &nbsp;&nbsp;&nbsp;369 | XXXXXX | XXXXXX | NC | 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 10 years 1 month at current job.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 770 is 150 points above the 620 required. |
| &nbsp;&nbsp;&nbsp;371 | 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. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV is < max allowable per guides of 97%<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.36% is < max allowable per guides of 45% |
| &nbsp;&nbsp;&nbsp;371 | 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. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV is < max allowable per guides of 97%<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.36% is < max allowable per guides of 45% |
| &nbsp;&nbsp;&nbsp;372 | 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-Closing Assets: $13,135.61/$2,581.20 PITIA = 5.09 months reserves and the DU Findings do not require any reserves.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has occupied the departing residence for 9 years 7 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 Factors** |
| &nbsp;&nbsp;&nbsp;374 | 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 | Missing updated valuation to support appraised value. Fannie Mae CU score<br>in file is 5.0 | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score of 724 > 104 required guideline requirements of 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 42.88% is above the minimum program requirements of 45%<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 77% LTV for Subject Property is below guideline max LTV of 95% |
| &nbsp;&nbsp;&nbsp;375 | XXXXXX | XXXXXX | IN | 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 significant time at current job with 8 years.<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history for the past 24 months.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has significant time in Profession with 19 years. |
| &nbsp;&nbsp;&nbsp;376 | XXXXXX | XXXXXX | CA | 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 late pay/derog line items. 754 Median Credit Score, Oldest Trade on Credit Report 7/2005.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 25.25yrs tenure (confirmed 5+ with CPA) with current XXX business.<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 92 consecutive months mortgage payment history exceeds 24 month credit review.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $47,373.88 exceed guideline required $19,857.92. |
| &nbsp;&nbsp;&nbsp;377 | XXXXXX | XXXXXX | MI | 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 | LCA Score 4.5. Clayton to order Desk Review. | 1/27/2026:<br>Received<br>CDA not<br>supporting<br>value. | 1/27/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for 7 years 4 months. |
| &nbsp;&nbsp;&nbsp;377 | XXXXXX | XXXXXX | MI | 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<br>Not<br>Supported | No | 1/27/2026: Exception added after review of trailing docs: 1/27/2026: Received<br>CDA not supporting value. Clayton to order next level review. | 2/3/2026:<br>Received<br>Field<br>Review<br>report<br>supporting<br>value. | 2/3/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for 7 years 4 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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;379 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | Provide AUS reflecting approve/eligible. | 1/26/2026: Received DU #4 run XXX Approve/Ineligible for<br>loan amount only. | 1/26/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 Years and 0 months at current residence.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 809 FICO score. Minimum required 620.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: 3 years and 2 months in current profession. |
| &nbsp;&nbsp;&nbsp;379 | 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 updated valuation | No | Missing Updated Valuation CU score is >2.5. Clayton to order desk<br>review. | 1/26/2026: Received CDA supporting value. | 1/26/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 Years and 0 months at current residence.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 809 FICO score. Minimum required 620.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: 3 years and 2 months in current profession. |
| &nbsp;&nbsp;&nbsp;381 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Active B | CMPTRID5806 | TRID -<br>At least 1 CD prior to the last CD at or prior to closing<br>was not provided to all with rescission rights. | No | Missing Initial CD XXX provided to XXX | (No Data) | (No Data) | Not<br>Applicable | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $80538.11 or 17.54 months of P&I<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 fico score exceeds guidelines 620 |
| &nbsp;&nbsp;&nbsp;381 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID -<br>Zero tolerance fee or fees increased at or prior to<br>closing without a valid reason or not timely disclosed;<br>refund required within 60 days of consummation | No | $4593.50 Zero Percent Tolerance Violation due to increase<br>in Loan Points from $7219 to $11812.50 on Final CD XXX,<br>without a valid Change in Circumstance. Requires CIC, or corrected<br>PCCD, copy of refund check, LOX and verification of shipping. | 1.28.2026 — COC and missing disclosure<br>received. | 1.28.2026<br>-<br>Exception<br>satisfied | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $80538.11 or 17.54 months of P&I<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 fico score exceeds guidelines 620 |
| &nbsp;&nbsp;&nbsp;389 | 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 updated valuation | No | CU score is >2.5. Clayton to order desk review. | 1/26/2026: Received CDA supporting value. | 1/26/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30,0x60,0x90 with the oldest account 37 month old.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 751 exceeds Guidelines minimum required of 620 FICO.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 78.50 is below Guidelines maximum of 80%.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 43.44 is below Guidelines 45% maximum. |

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial**<br> **Lender**<br> **ATR/<br>QM**<br> **Status** | **Loan**<br> **Level**<br> **ATR/<br>QM**<br> **Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial<br>Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;393 | 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: 30 Years and 0 months at current residence.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: 27 years and 0 months in current profession.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 800 FICO score. Minimum required 620. |
| &nbsp;&nbsp;&nbsp;394 | 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 724 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;396 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Coborrower has been XXX for 6 years 9 months.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 5 years. |
| &nbsp;&nbsp;&nbsp;401 | XXXXXX | XXXXXX IN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU/<br>LCA<br>score<br>>2.5.<br>Clayton<br>to order<br>Desk<br>Review. | 1.29.2026<br>Desk<br>review<br>received<br>value<br>supported. | 1.29.2026<br>Exception<br>Satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 fico score exceeds guidelines 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30 DT below max DTI 45<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are 25818.54 or 5.28 months of P&I |
| &nbsp;&nbsp;&nbsp;402 | 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/<br>LCA<br>score<br>3.0.<br>Clayton<br>to order<br>Desk<br>Review. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 781 FICO score. Minimum required 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $65,670.59; Reserves are not 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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;403 | 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 contains Property Inspection Waiver<br>(PIW)/AW | No | Loan is approved PIW. Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $263,665.44 or 78.78 months of PITI reservesNo reserves required<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same line of work for 6 years |
| &nbsp;&nbsp;&nbsp;403 | 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 updated valuation | No | Loan is approved PIW. Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $263,665.44 or 78.78 months of PITI reservesNo reserves required<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same line of work for 6 years |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | RESPA | Active B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure<br>missing | No | Missing Required Affiliate Business Disclosure | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 62 months.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 758 exceeds min score requirement of 620.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 10 years.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x82.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer in the past: 6 years. |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID -<br>Zero tolerance fee or fees increased at or prior to<br>closing without a valid reason or not timely<br>disclosed; refund required within 60 days of<br>consummation | No | Zero tolerance fee or fees increased by 808.75 no COC in<br>file | 1.28.26 —<br>COCs<br>provided | 1.28.26 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 62 months.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 758 exceeds min score requirement of 620.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 10 years.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x82.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer in the past: 6 years. |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver<br>(PIW)/AW | No | Loan approved with PIW. Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 62 months.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 758 exceeds min score requirement of 620.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 10 years.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x82.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer in the past: 6 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<br>Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor | 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<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 62 months.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 758 exceeds min score requirement of 620.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 10 years.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x82.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer in the past: 6 years. |
| &nbsp;&nbsp;&nbsp;412 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 44.09 is below the guideline minimum of 45%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 727 is 107 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;413 | XXXXXX | XXXXXX | AL | 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. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 715 credit score exceeds standard minimum of 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.23% DTI is below maximum of 45%.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for 9 years and 4 months. |
| &nbsp;&nbsp;&nbsp;413 | XXXXXX | XXXXXX | AL | 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. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 715 credit score exceeds standard minimum of 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.23% DTI is below maximum of 45%.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for 9 years and 4 months. |
| &nbsp;&nbsp;&nbsp;417 | 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 $135,020.02 or 39.95 PITIA<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 772 is 157 points above minimum program requirement of 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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;425 | 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 contains Property Inspection Waiver<br>(PIW)/AW | No | Loan is PIW approved, Clayton to order BPO | 1/26/2026: Received BPO supporting value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.947% LTV for Subject Property is below guideline max LTV of 95%<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 36.28% is above the minimum program requirements of 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score of 775 > 155 required guideline requirements of 620 |
| &nbsp;&nbsp;&nbsp;425 | 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 updated valuation | No | Loan is PIW approved, Clayton to order BPO | 1/26/2026: Received BPO supporting value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.947% LTV for Subject Property is below guideline max LTV of 95%<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 36.28% is above the minimum program requirements of 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score of 775 > 155 required guideline requirements of 620 |
| &nbsp;&nbsp;&nbsp;427 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D A | Compliance | Ability to Repay/<br>Qualified<br>Mortgage | Active D | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/<br>Qualified Mortgage<br>rule; the loan file is missing documents to<br>complete the ATR/QM review and render an<br>accurate ATR/QM status. | Yes | Provide updated AUS/LP reflecting no cash-out/rate & term<br>refinance and updated DTI of $34.18%, matching loan closing<br>documents. The AUS provided reflects the transaction as cash-<br>out and<br>multiple debt accounts listed to be paid off, however there was no<br>debt other than mortgage being refinanced that was paid off, as<br>per final closing documents. LP to remain Accept/Eligible. | 2/2/2026: Received LP #9 showing R/<br>T refi but 30% DTI.<br>Outside 3% tolerance. Clayton verified 34.18%. Provide<br>proof credit debt was paid or LP needs to reflect DTI<br>within 3%. | 2/2/2026:<br>Exception<br>remains. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 761 exceeds minimum FICO required of 620.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 14 years in current profession.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 79.48% is below Guidelines maximum of 95%. |
| &nbsp;&nbsp;&nbsp;427 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure<br>missing | No | Missing required Affiliate Business Disclosure. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 761 exceeds minimum FICO required of 620.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 14 years in current profession.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 79.48% is below Guidelines maximum of 95%. |
| &nbsp;&nbsp;&nbsp;427 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID -<br>Zero tolerance fee or fees increased at or prior to<br>closing without a valid reason or not timely<br>disclosed; refund required within 60 days of<br>consummation | No | Zero tolerance fee of $222.51 due to increase of(points) from<br>LE XXX $26080 to Final CD XXX $26302.51. Missing a valid<br>Change of Circumstance, or Post Close CD, LOX and copy of<br>refund check to borrower. | 2.6.2026 — COC provided | 2.6.2026 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 761 exceeds minimum FICO required of 620.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 14 years in current profession.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 79.48% is below Guidelines maximum 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 Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;427 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D A | Credit | Terms/<br>Guidelines | Active D | CRDTER2548 | Missing AUS or AUS errors present | Yes | Provide updated AUS/LP reflecting no cash-out/rate & term<br>refinance and updated DTI of $34.18%, matching loan closing<br>documents. The AUS provided reflects the transaction as cash-<br>out and<br>multiple debt accounts listed to be paid off, however there was no<br>debt other than mortgage being refinanced that was paid off, as<br>per final closing documents. LP to remain Accept/Eligible. | 2/2/2026: Received LP #9 showing R/T refi but 30% DTI.<br>Outside 3% tolerance. Clayton verified 34.18%. Provide proof<br>credit debt was paid or LP needs to reflect DTI within 3%. | 2/2/2026: Exception<br>remains. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 761 exceeds minimum FICO required of 620.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 14 years in current profession.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 79.48% is below Guidelines maximum of 95%. |
| &nbsp;&nbsp;&nbsp;429 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | Right of<br>Rescission | Satisfied B | CMPROR117 | ROR -<br>Expiration date on form prior to end of rescission<br>period | No | The ROR expires on XXX and the Disb date is XXX which is<br>after the ROR expiration date. | 1.28.2026 - This issue is the Transaction date is XXX but the<br>Final CD was signed on XXX making the earliest expiration date<br>XXX . The expiration date on the ROR is XXX and the<br>disbursement date per the CD is XXX which is before the end of the<br>statutory rescission period.2.2.2026 - LOX and CD signed by<br>borrowers XXX and XXX provided. Please provide Final ALTA as<br>well to confirm Disbursement Date.2.9.2026 - Final ALTA received | 1.28.2026 -<br>Exception remains2.2.2026<br>-<br>Exception remains2.9.2026<br>-Exception satisfied (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 51.20% is below Guidelines 97% maximum.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 794 exceeds Guidelines 620 minimum.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 33.31% is below Guidelines 45% maximum. |
| &nbsp;&nbsp;&nbsp;429 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | Right of<br>Rescission | Satisfied C B | CMPROR2330 | ROR -<br>Disbursement date is before end of statutory<br>rescission period | No | The ROR expires on XXX and the Disb date is XXX which is<br>after the ROR expiration date. | 1.28.2026 - This issue is the Transaction date is XXX but the<br>Final CD was signed on XXX making the earliest expiration date<br>XXX. The disbursement date per the CD is XXX which is before<br>the end of the statutory rescission period. 2.2.2026 - LOX and<br>CD signed by borrowers XXX and XXX provided. Please<br>provide Final ALTA as well to confirm Disbursement<br>Date.2.9.2026 - Final ALTA received | 1.28.2026 -<br>Exception remains2.2.2026<br>-<br>Exception remains2.9.2026<br>-Exception satisfied (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 51.20% is below Guidelines 97% maximum.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 794 exceeds Guidelines 620 minimum.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 33.31% is below Guidelines 45% maximum. |
| &nbsp;&nbsp;&nbsp;429 | XXXXXX | XXXXXX | OR | 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 contains Property Inspection Waiver<br>(PIW)/AW | No | Loan is PIW approved, Clayton to order BPO | 1/22/2026: Received BPO supporting value. | 1/22/2026: Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 51.20% is below Guidelines 97% maximum.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 794 exceeds Guidelines 620 minimum.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 33.31% is below Guidelines 45% maximum. |
| &nbsp;&nbsp;&nbsp;429 | XXXXXX | XXXXXX | OR | 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 updated valuation | No | Loan is PIW approved, Clayton to order BPO | 1/22/2026: Received BPO supporting value. | 1/22/2026: Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 51.20% is below Guidelines 97% maximum.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 794 exceeds Guidelines 620 minimum.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 33.31% is below Guidelines 45% maximum. |

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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 Factors** |
| &nbsp;&nbsp;&nbsp;431 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75.32; guidelines allow 80%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 754 is 134 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;432 | 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)/AW | No | Loan is PIW approved, Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 769 exceeds minimum FICO required of 620.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below Guidelines 97% maximum.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 33.28 % is below Guidelines 45% maximum. |
| &nbsp;&nbsp;&nbsp;432 | 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 PIW approved, Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 769 exceeds minimum FICO required of 620.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below Guidelines 97% maximum.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 33.28 % is below Guidelines 45% maximum. |
| &nbsp;&nbsp;&nbsp;434 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Assets | Active C | CRDAST205 | Insufficient<br>Funds to<br>Close | Yes | XXX #XXX and #XXX accounts don't belong to neither<br>borrower. Statements for those accounts were provided to document<br>other party making payment on the mortgage reporting on credit<br>report. Provide statement showing the EMD has cleared without<br>reduction in account balance — this could cure exception. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 14.3 years in same line of work/profession<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 719 credit score > min. requirement of 620 |
| &nbsp;&nbsp;&nbsp;434 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D | Credit | Assets | Active C | CRDAST3036 | Assets<br>reflect<br>unsourced<br>deposits | Yes | XXX #XXX $10,000 branch deposit on 10/03 and $10,000<br>check deposit on 09/03. Provide SOF for these deposits. (if gift<br>monies, provide copy of gift check. Deposit is prior to date on gift<br>letter.) | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 14.3 years in same line of work/profession<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 719 credit score > min. requirement 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 Factors** |
| &nbsp;&nbsp;&nbsp;434 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Assets | Active D | CRDAST2354 | Asset<br>Verification<br>In File is<br>Incomplete<br>Per<br>Requirements | Yes | Borrowers are short funds to close in the amt. of $1,842.75.<br>(amt. includes unverified EMD monies in the amt. of $29,113.)<br>Funds required to close = $123,853.00. Verified funds =<br>$122,010.25. Provide statement showing the EMD has cleared<br>without reduction in account balance — this could cure<br>exception. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 14.3 years in same line of work/profession<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 719 credit score > min. requirement of 620 |
| &nbsp;&nbsp;&nbsp;436 | 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)/AW | No | Loan is PIW approved, Clayton to order BPO | 1/26/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 17.25% is above the minimum program requirements of 45%<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV for Subject Property is below guideline max LTV of 95%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score of 713 > 93 required guideline requirements of 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 25 years and 4 months. |
| &nbsp;&nbsp;&nbsp;436 | 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 PIW approved, Clayton to order BPO | 1/26/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 17.25% is above the minimum program requirements of 45%<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV for Subject Property is below guideline max LTV of 95%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score of 713 > 93 required guideline requirements of 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 25 years and 4 months. |
| &nbsp;&nbsp;&nbsp;437 | 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 score is >2.5. Clayton to order desk review. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 47.23% is below the guideline minimum of 50%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 720 is 100 points above minimum program requirement of 620.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 61.81%; guidelines allow 80%. |
|  | 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:<br>748 FICO score > min. requirement of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments:<br>Verified cash reserves of $73,604.84. AUS reserves<br>required = $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<br>Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;439 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 FICO score > min. requirement of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $73,604.84. AUS reserves required = $0.00. |
| &nbsp;&nbsp;&nbsp;449 | 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 | 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 | $2047.50<br>Zero Percent<br>Tolerance<br>Violation due<br>to increase in<br>Loan Points<br>from $8190 to<br>$10237.50 on<br>Final CD<br>XXX, without<br>a valid<br>Change in<br>Circumstance.<br>Requires CIC,<br>or corrected<br>PCCD, copy<br>of refund<br>check, LOX<br>and<br>verification of<br>shipping. | 2.2.2026 -<br>COC<br>provided<br>and<br>missing<br>CD<br>received | 2.2.2026 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $54225.48 or 5.45 months of P&I CFCFS1737: LTV below guideline requirements - Clayton Comments: 60% LTV is below guidelines requirements 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 701 fico score exceeds guidelines 620 |
| &nbsp;&nbsp;&nbsp;449 | 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 D A | CRDTER2548 | Missing AUS<br>or AUS errors<br>present | No | The DU<br>Findings #10<br>show 42.03%<br>DTI. Signed<br>1008 shows<br>46.01% DTI.<br>Provide the<br>most recent<br>DU Findings<br>showing DTI<br>within 3% of<br>the lender<br>1008.<br>Additional<br>conditions<br>may apply. | 2/2/2026:<br>Received<br>DU #11<br>XXX with<br>DTI 46%,<br>within<br>tolerance. | 2/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $54225.48 or 5.45 months of P&I CFCFS1737: LTV below guideline requirements - Clayton Comments: 60% LTV is below guidelines requirements 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 701 fico score exceeds guidelines 620 |
| &nbsp;&nbsp;&nbsp;449 | 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 | CU Score is<br>2.6. Clayton<br>to to der Desk<br>Review. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $54225.48 or 5.45 months of P&I CFCFS1737: LTV below guideline requirements - Clayton Comments: 60% LTV is below guidelines requirements 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 701 fico score exceeds guidelines 620 |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job with 10 years. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit history exceeds guidelines with no late payments for the past 120 months or more. CFCFS2854: Significant time in profession - Clayton Comments: Borrower 1 has significant time in Profession with 9 years. |
| &nbsp;&nbsp;&nbsp;453 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 32.82% is above the minimum program requirements of 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV for Subject Property is below guideline max LTV of 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score of 725 > 105 required 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/QM**<br> **Status** | **Loan**<br> **Level**<br> **ATR/QM**<br> **Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | XXXXXX | SC | QM: Rebuttable Presumption<br>(APOR) | QM: Rebuttable Presumption<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned subject property for 5 years and 6 months.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 715 credit score exceeds standard minimum of 620.<br> CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Borrower paid off $115,934.77 in monthly revolving/installment debt. |
| &nbsp;&nbsp;&nbsp;457 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 788 is 168 points above program minimum requirement of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close asset of $828,160.64 or 120.69 PITIA |
| &nbsp;&nbsp;&nbsp;458 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing updated valuation. LCA score > 2.5. Clayton to order<br>desk review. | 1/27/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 793 mid score > min required of 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $33,752.84 (6.41 months PITIA reserves) > min required reserves of $0<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage payment history (via consecutive histories) 0x30 x197 months |
| &nbsp;&nbsp;&nbsp;459 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (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 approved. Clayton to order BPO. | 1/26/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: CB has 5.6 years in same line of work/profession<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 FICO score > min. requirement of 620 |
| &nbsp;&nbsp;&nbsp;459 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is PIW approved. Clayton to order BPO. | 1/26/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: CB has 5.6 years in same line of work/profession<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 FICO score > min. requirement of 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<br>Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;462 | 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>Clayton<br>to order<br>BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $8,554.90 or 2.14 months PITI reserve exceeds AUS required reserves of $0.00.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80 is below guideline requirement max of 95 for conforming mortgages.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score of 705 exceeds guideline requirement of 620. |
| &nbsp;&nbsp;&nbsp;462 | 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. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $8,554.90 or 2.14 months PITI reserve exceeds AUS required reserves of $0.00.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80 is below guideline requirement max of 95 for conforming mortgages.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score of 705 exceeds guideline requirement of 620. |
| &nbsp;&nbsp;&nbsp;463 | 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 | 1/26/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 73.66% is < max allowable per guides of 97%<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: 2.00% revolving credit utilization |
| &nbsp;&nbsp;&nbsp;463 | 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. | 1/26/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 73.66% is < max allowable per guides of 97%<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: 2.00% revolving credit utilization |
| &nbsp;&nbsp;&nbsp;466 | XXXXXX | XXXXXX NJ | QM:<br>Safe<br>Harbor | 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 | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 796 is > minimum required of 620<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 67.06%/maximum 97%<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total available assets are $46,859.73- Required funds to close are $4,540.87; required reserves are $7,362.00 post close remaining reserves are $34,956.86 or 7 months PITI |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial**<br> **Lender**<br> **ATR/<br>QM**<br> **Status** | **Loan**<br> **Level**<br> **ATR/<br>QM**<br> **Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial<br>Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;466 | XXXXXX | XXXXXX NJ | QM:<br>Safe<br>Harbor | 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. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 796 is > minimum required of 620<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 67.06%/maximum 97%<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total available assets are $46,859.73- Required funds to close are $4,540.87; required reserves are $7,362.00 post close remaining reserves are $34,956.86 or 7 months PITI |
| &nbsp;&nbsp;&nbsp;467 | 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 is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $14,677.16 exceed $0.00 required.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 797 exceeds minimum required of 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 40.57% is below Guidelines 45% maximum. |
| &nbsp;&nbsp;&nbsp;467 | 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<br>to order<br>BPO | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $14,677.16 exceed $0.00 required.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 797 exceeds minimum required of 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 40.57% is below Guidelines 45% maximum. |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | XXXXXX IL | QM:<br>Safe<br>Harbor | 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 | PIW<br>approved<br>loan.<br>Clayton<br>to order<br>BPO | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.94% DTI < maximum permitted of 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 773 is 153 points above minimum program requirement of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $44653.84/10.23 PITIA. Reserves are not required. |
|  | XXXXXX | XXXXXX IL | QM:<br>Safe<br>Harbor | 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. | 1/22/2026: Received<br>BPO supporting value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.94% DTI < maximum permitted of<br>45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 773 is 153 points<br>above minimum program requirement of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments:<br>Borrower has $44653.84/10.23 PITIA. Reserves are not<br>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 Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | XXXXXX IL | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Loan is PIW approved. Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.94% DTI < maximum permitted of 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 773 is 153 points above minimum program requirement of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $44653.84/10.23 PITIA. Reserves are not required. |
| &nbsp;&nbsp;&nbsp;471 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.17% DTI < maximum permitted of 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 755 is 135 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;472 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | Right of<br>Rescission | Satisfied C B | CMPROR2330 | ROR -<br>Disbursement date is before end of statutory<br>rescission period | No | ROR disbursement date of XXX is before the end of the<br>statutory rescission period. | 2.5.2026<br>— PCCD<br>with DD<br>of XXX<br>confirmed<br>with<br>ALTA | 2.5.2026 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 736 fico score exceeds guidelines 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29% DTI max DTI 45%<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years in profession |
| &nbsp;&nbsp;&nbsp;472 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | CU/LCA score >2.5 Clayton to order Desk Review | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 736 fico score exceeds guidelines 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29% DTI max DTI 45%<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years in profession |
| &nbsp;&nbsp;&nbsp;474 | 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 C B A | PRVAAPPR5454 | Loan File contains Property Inspection<br>Waiver (PIW)/AW | No | Loan is PIW approved, Clayton to order BPO | 1/26/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 24 months mortgage payment history 0x30.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 mid score > min required of 620. |
| &nbsp;&nbsp;&nbsp;474 | XXXXXX | XXXXXX GA | 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 updated valuation | No | Loan is approved PIW. Clayton to order BPO. | 1/26/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 24 months mortgage payment history 0x30.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 mid score > min required of 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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;475 | XXXXXX | XXXXXX GA | 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 for the past: 13 years.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 797 exceeds min score requirement of 620.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99.<br> CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 99 months. |
| &nbsp;&nbsp;&nbsp;477 | 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 updated valuation | No | Missing updated valuation. CU score not provided. Clayton to<br>order desk review. | 1/27/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has worked for the same employer for 22 years.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $87,505.39 or 23.65 months PITI reserves. No reserves required. |
| &nbsp;&nbsp;&nbsp;479 | XXXXXX | XXXXXX IN | 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 contains Property Inspection Waiver<br>(PIW)/AW | No | Loan is approved PIW. Clayton to order BPO. | 1/26/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 fico score exceeds guidelines 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $30982.70 or 8.29 months of P&I<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: 21 years in profession |
| &nbsp;&nbsp;&nbsp;479 | XXXXXX | XXXXXX IN | 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 updated valuation | No | Loan is approved PIW. Clayton to order BPO. | 1/26/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 fico score exceeds guidelines 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $30982.70 or 8.29 months of P&I<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: 21 years in profession |
| &nbsp;&nbsp;&nbsp;482 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID -<br>Zero tolerance fee or fees increased at or prior to<br>closing without a valid reason or not timely<br>disclosed; refund required within 60 days of<br>consummation | No | LE dated XXX Increased Loan Amount. Added Rate<br>Percentage Points. Missing Change in CircumstanceCD dated XXX<br>Increased Loan Amount. Increased Rate Percentage Points. Missing<br>Change in Circumstance.CD dated XXX Added Appraisal Desk<br>Review Fee. Missing Change in Circumstance.CD dated XXX and<br>CD XXX Increased Rate Percentage Points. Missing Change in<br>Circumstance.CD dated XXX Increased Recording Fees triggering<br>an Out of Tolerance. | 2.2.2026<br>— COCs<br>provided | 2.2.2026 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer in the past: 8 years.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 10 years.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 762 exceeds min score requirement of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $88,471.04 or 13.31 months of PITIA. |

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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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition 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 Factors** |
| &nbsp;&nbsp;&nbsp;482 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied D A | CMPTRID4387 | TRID -<br>Post close CD required for numeric or other TRID<br>error | No | CD dated XXX Added Appraisal Desk Review Fee. Zero<br>Tolerance Fee.CD dated XXX Increased Recording Fees<br>triggering an Out of Tolerance. | 2.2.2026 -<br>COCs<br>provided | 2.2.2026 -<br>Exception<br>satisfied | Hybrid | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer in the past: 8 years.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 10 years.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 762 exceeds min score requirement of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $88,471.04 or 13.31 months of PITIA. |
| &nbsp;&nbsp;&nbsp;484 | 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 updated valuation | No | CU score is > 2.5. Clayton to order desk review. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $295,009.63 or 47.47 months PITI reserve exceeds AUS required reserves of $34,762.73.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score of 777 exceeds guideline minimum requirement of 620. |
| &nbsp;&nbsp;&nbsp;485 | 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 contains Property Inspection Waiver<br>(PIW)/AW | No | Loan is PIW approved, Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $30,796.29 exceed $0.00 required.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 737 exceeds Guidelines minimum 620 FICO.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 41.57% is below Guidelines 45% maximum. |
| &nbsp;&nbsp;&nbsp;485 | 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 updated valuation | No | Loan is PIW approved, Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $30,796.29 exceed $0.00 required.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 737 exceeds Guidelines minimum 620 FICO.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 41.57% is below Guidelines 45% maximum. |
| &nbsp;&nbsp;&nbsp;487 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | LCA >2.5. Clayton to order desk review. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 23.16% DTI is below the standard maximum of 45%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 credit score exceeds standard minimum of 620.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for 20 years and 7 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 Factors** |
| &nbsp;&nbsp;&nbsp;489 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Required Affiliate Business Disclosure missing from doc file. | (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, 14 years and 3 months.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.72% LTV below guideline requirements of 95% per program.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 17 years. |
| &nbsp;&nbsp;&nbsp;489 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or CU) score is >2.5. Clayton to order desk review. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<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, 14 years and 3 months.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.72% LTV below guideline requirements of 95% per program.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 17 years. |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor | 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 Business Disclosure missing | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $5,317.92 1.43 months PITIA exceed DU required amount of $0.00. |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor | 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 | DU approved with PIW. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $5,317.92 1.43 months PITIA exceed DU required amount of $0.00. |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing updated valuation to support value with PIW. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $5,317.92 1.43 months PITIA exceed DU required amount 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 Comments** | **Conclusion Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;491 | XXXXXX | XXXXXX | AZ | 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 Business Disclosure missing | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 715 exceeds minimum required of 620.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below Guidelines 95% maximum.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 27.21% is below Guidelines 45% maximum. |
| &nbsp;&nbsp;&nbsp;491 | 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)/AW | No | Loan is PIW approved, Clayton to order BPO | 1/22/2026: Received BPO supporting value. | 1/22/2026: Exception satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 715 exceeds minimum required of 620.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below Guidelines 95% maximum.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 27.21% is below Guidelines 45% maximum. |
| &nbsp;&nbsp;&nbsp;491 | 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 PIW approved, Clayton to order BPO | 1/22/2026: Received BPO supporting value. | 1/22/2026: Exception satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 715 exceeds minimum required of 620.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below Guidelines 95% maximum.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 27.21% is below Guidelines 45% maximum. |
| &nbsp;&nbsp;&nbsp;495 | XXXXXX | XXXXXX | LA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C B | Compliance | Right of<br>Rescission | Satisfied D A | CMPROR5345 | ROR —<br>Missing or<br>Incomplete<br>Right of<br>Rescission<br>form | No | Missing or Incomplete Right of Rescission form | 1/30/2026: Lender rebuttal. Loan is a Construction loan PIF,<br>Const to Perm requires no ROR. After further review<br>Clayton agrees. | 1/30/2026: Canceled. (No<br>Data) | Not<br>Applicable | (No Data) |
| &nbsp;&nbsp;&nbsp;495 | XXXXXX | XXXXXX | LA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B | Credit | Title | Satisfied C A | CRDTIL875 | Title Does<br>Not Agree<br>With<br>Mortgage | No | Title does not include the subordinate 2nd lien by XXX dated<br>XXX. File contains Note and Mortgage with collateral<br>secured by the subject property | 1/30/2026: Received Final Title. Subordinate Lien is not<br>listed.2/6/2026: Received 2nd Final Title for HELOC. Two<br>Final Title Policies are in the file, one for each lien. | 1/30/2026: Exception remains.2/6/2026: Exception satisfied. (No<br>Data) | Not<br>Applicable | (No Data) |

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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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;495 | XXXXXX | XXXXXX | LA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | CU score 4.1 is >2.5. Clayton to order desk review | 1/27/2026: Received CDA not supporting value.2/5/2026: Field<br>review supporting appraised value provided. | 1/27/2026: Exception satisfied. | (No Data) | Not<br>Applicable | (No Data) |
| &nbsp;&nbsp;&nbsp;495 | XXXXXX | XXXXXX | LA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C B | Property<br>Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | 1/27/2026: Exception added after review of trailing docs: 1/27/2026: Received<br>CDA not supporting value. Clayton to order next level review. | 2/5/2026: Field review supporting appraised value provided. | 2/5/2026: Exception satisfied. | Not<br>Applicable | Not<br>Applicable | (No Data) |
| &nbsp;&nbsp;&nbsp;497 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Compliance | Right of<br>Rescission | Active B | CMPROR1909 | Incorrect ROR Form Used -<br>H8 Form Used in Refinance With Original<br>Creditor | No | Provide correct ROR form. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10 years at current job<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31 % DTI below max DTI 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 794 fico score exceeds guidelines 620 |
| &nbsp;&nbsp;&nbsp;497 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID -<br>Zero tolerance fee or fees increased at or prior to<br>closing without a valid reason or not timely<br>disclosed; refund required within 60 days of<br>consummation | No | Zero percent tolerance fail of $22.00. Due to % of Loan<br>Amount (Point) fee increased on CD issued XXX with no internal<br>COC in file. Provide Internal COC reflecting valid reason for the<br>fee changes within 3 business days of change - OR- PCCD with<br>cure, copy of cure check, LOE to Borrower and Evidence of delivery via<br>method including tracking, within 60 days of consummation. | 2.9.2026 - COC provided | 2.9.2026 - Exception satisfied | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10 years at current job<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31 % DTI below max DTI 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 794 fico score exceeds guidelines 620 |
| &nbsp;&nbsp;&nbsp;497 | XXXXXX | XXXXXX | TX | 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 contains Property Inspection Waiver<br>(PIW)/AW | No | Loan Approved with PIW — Clayton to order BPO | 2/2/2026: Received BPO - the house number pictured is

#XXX. Subject is #XXX.2/5/2026: Received revised report. There<br>was no subject street number to photograph. Reviewer showed<br>neighboring house #. BPO does not support value. | 2/2/2026: Exception remains.2/5/2026: Exception satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10 years at current job<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31 % DTI below max DTI 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 794 fico score exceeds guidelines 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 Comments** | **Conclusion Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;497 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan Approved with PIW — Clayton to order BPO | 2/2/2026: Received BPO - the house number pictured is

#XXX. Subject is #XXX.2/5/2026: Received revised report. There<br>was no subject street number to photograph. Reviewer showed<br>neighboring house #. BPO does not support value. | 2/2/2026: Exception remains.2/5/2026: Exception satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10 years at current job<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31 % DTI below max DTI 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 794 fico score exceeds guidelines 620 |
| &nbsp;&nbsp;&nbsp;497 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Property<br>Valuations | Value | Active C | PRVAVALU5249 | Property<br>Value Not<br>Supported | Yes | 2/5/2026: Exception added after review of trailing docs: 2/5/2026: Received revised report. There was no subject street<br>number to photograph. Reviewer showed neighboring house #. BPO does not support value. Clayton to order next<br>level review. | (No Data) | (No Data) | Not<br>Applicable | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10 years at current job<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31 % DTI below max DTI 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 794 fico score exceeds guidelines 620 |
| &nbsp;&nbsp;&nbsp;498 | 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 PIW approved. Clayton to order BPO. | 1/22/2026: Received BPO not supporting value. | 1/22/2026: Exception satisfied. | (No Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 734 FICO score. Minimum required 620. |
| &nbsp;&nbsp;&nbsp;498 | 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 PIW approved. Clayton to order BPO. | 1/22/2026: Received BPO not supporting value. | 1/22/2026: Exception satisfied. | (No Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 734 FICO score. Minimum required 620. |
| &nbsp;&nbsp;&nbsp;498 | XXXXXX | XXXXXX | PA | 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 | 1/22/2026: Exception added after review of trailing docs: 1/22/2026: Received BPO not supporting value (-16.27%).<br>Clayton to order next level review. | 2/2/2026: Received Ext 2055 supporting value. | 2/2/2026: Exception satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 734 FICO score. 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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;502 | XXXXXX | XXXXXX | AZ | 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 80% is below Guidelines 97% maximum.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 761 exceed minimum required of 620 FICO.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $11,360.40 exceed $174.00 required reserves. |
| &nbsp;&nbsp;&nbsp;503 | XXXXXX | XXXXXX | IA | 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 updated valuation | No | Missing updated valuation | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<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 7 years 9 months' time at current job<br> CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower earns additional monthly income in the amount of $9,583.34. Income not needed for qualifying<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves in the amount of $42,711.50 exceeds $5,623.00 the minimum required per guidelines<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 7 years, 10 months' time at current job |
| &nbsp;&nbsp;&nbsp;504 | 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 contains Property Inspection Waiver<br>(PIW)/AW | No | Loan is PIW approved, Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 17.14% is above the minimum program requirements of 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score of 785 > 165 required guideline requirements of 620<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.25% LTV for Subject Property is below guideline max LTV of 95%<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 12 years and 10 months. |
| &nbsp;&nbsp;&nbsp;504 | 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 updated valuation | No | Loan is PIW approved, Clayton to order BPO | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 17.14% is above the minimum program requirements of 45%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score of 785 > 165 required guideline requirements of 620<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.25% LTV for Subject Property is below guideline max LTV of 95%<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 12 years and 10 months. |
| &nbsp;&nbsp;&nbsp;508 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID -<br>Zero tolerance fee or fees increased at or prior to<br>closing without a valid reason or not timely<br>disclosed; refund required within 60 days of<br>consummation | No | Need evidence of change of circumstance letter or a copy of<br>a refundable check in the amount of $632.16 for zero<br>tolerance fees.A Discount point was added to the Final CD<br>in the amount of $632.16. | 2.9.2026<br>— COC<br>provided | 2.9.2026 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 28.02% is above the minimum program requirements of 45%<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.02% LTV for Subject Property is below guideline max LTV of 95%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score of 770 > 150 required guideline requirements of 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<br>Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;508 | XXXXXX | XXXXXX NC | 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 | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 28.02% is above the minimum program requirements of 45%<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.02% LTV for Subject Property is below guideline max LTV of 95%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score of 770 > 150 required guideline requirements of 620 |
| &nbsp;&nbsp;&nbsp;508 | XXXXXX | XXXXXX NC | 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 | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 28.02% is above the minimum program requirements of 45%<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.02% LTV for Subject Property is below guideline max LTV of 95%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score of 770 > 150 required guideline requirements of 620 |
| &nbsp;&nbsp;&nbsp;511 | 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: 4% credit utilization in file. |
| &nbsp;&nbsp;&nbsp;512 | 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 of 75% is below guideline requirements of 90%.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 32.17% is below guideline requirement max of 45%.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has significant time in Profession with 9 years. |
| &nbsp;&nbsp;&nbsp;515 | XXXXXX | XXXXXX MA | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 53 months.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 713 exceeds min score requirement of 620.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer 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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;520 | XXXXXX | XXXXXX | HI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | AUS findings dated XXX are missing gift monies of<br>$135,000. Add gift funds and provide updated AUS findings<br>Approve/Eligible. | 2/2/2026: Received Gift docs. AUS still needs to be updated<br>to include the $135K gift funds as part of the assets as they<br>required to meet closing costs and reserves.2/5/2026:<br>Received DU #10 XXX showing gift funds are included. | 2/2/2026: Exception remains.2/5/2026: Exception satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV is < max. allowable per guides of 97%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 FICO score > min. required of 620 |
| &nbsp;&nbsp;&nbsp;521 | XXXXXX | XXXXXX | HI | 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 asset of $24,068.27 or 4.69 PITIA<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 799 is 179 points above program minimum requirement of 620. |
| &nbsp;&nbsp;&nbsp;522 | 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 contains Property Inspection Waiver<br>(PIW)/AW | No | Loan is PIW approved, Clayton to order BPO | 1/22/2026: Received BPO supporting value. | 1/22/2026: Exception satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 766 is 146 points above program minimum requirement of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close Assets $7,240.33 or 1.25 PITIA |
| &nbsp;&nbsp;&nbsp;522 | 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 updated valuation | No | Loan is approved PIW. Clayton to order BPO. | 1/22/2026: Received BPO supporting value. | 1/22/2026: Exception satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 766 is 146 points above program minimum requirement of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close Assets $7,240.33 or 1.25 PITIA |
| &nbsp;&nbsp;&nbsp;524 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C A | CMPTRID3676 | TRID -<br>CD: Ten percent tolerance fee or fees increased at or<br>prior to closing without a valid reason or not timely<br>disclosed; refund required within 60 days of<br>consummation. | No | Section E: Recording other fees increased from final LE<br>$175 to final CD $250 without COC, however; PCCD provided<br>and reduces recording fee from $275 to $114. ALTA statement<br>in file supports reduction of the recording fee amount to<br>$114.00. | 1.28.2026 — COC provided | 1.28.2026 - Exception satisified (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 Years and 10 months at current residence.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 712 FICO score. Minimum required 620.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: 15 years and 4 months in 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 Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;525 | XXXXXX | XXXXXX | AZ | 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 73.89 is below Standard Eligibility Requirement max of 95.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score of 713 exceeds guidelines.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 27.98 is below guideline requirement max of 45.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $203,852.25 or 42.51 months PITI reserve exceeds AUS required reserves of $11,734.00 or a minimum of 3 months reserves of ($4,794.91 x 3 = $14,384.73). |
| &nbsp;&nbsp;&nbsp;530 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | Right of<br>Rescission | Satisfied B | CMPROR117 | ROR -<br>Expiration date on form prior to end of rescission<br>period | No | Transaction date XXX ,<br>CD issued XXX esigned XXX with<br>Disbusement date of XXX making<br>earliest expiration date XXX. | 2.3.2026<br>—<br>Missing<br>Final CD<br>received | 2.3.2026 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 20 years in profession<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 fico score exceeds guidelines 620 |
| &nbsp;&nbsp;&nbsp;530 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | Right of<br>Rescission | Satisfied C B | CMPROR2330 | ROR -<br>Disbursement date is before end of statutory<br>rescission period | No | Transaction date XXX,<br>CD issued XXX esigned XXX with<br>Disbusement date of XXXmaking<br>earliest expiration date XXX. | 2.3.2026<br>—<br>Missing<br>Final CD<br>received | 2.3.2026 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 20 years in profession<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 fico score exceeds guidelines 620 |
| &nbsp;&nbsp;&nbsp;530 | XXXXXX | XXXXXX | NC | 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 updated valuation | No | CU Score is 3.6. Clayton to order<br>Desk Review. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 20 years in profession<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 fico score exceeds guidelines 620 |
| &nbsp;&nbsp;&nbsp;533 | XXXXXX | XXXXXX | MI | 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 contains Property Inspection Waiver<br>(PIW)/AW | No | Loan is PIW approved, Clayton to<br>order BPO | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 731 credit score; 620 minimum required FICO<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has significant time in profession, 10 years<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: 12% consumer credit utilization in file |

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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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;533 | 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 updated valuation | No | Loan is PIW approved, Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 731 credit score; 620 minimum required FICO<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has significant time in profession, 10 years<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: 12% consumer credit utilization in file |
| &nbsp;&nbsp;&nbsp;534 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C A | CMPTRID3618 | TRID -<br>Corrected CD should have been provided; Change of<br>Product or Product Feature not disclosed at least 3<br>business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior<br>to closing due to missing Initial CD. | 1.28.2026<br>—<br>Disclosure<br>tracking<br>provided | 1.28.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79% LTV for Subject Property is below guideline max LTV of 95%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO Score of 777 > 157 required guideline requirements of 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 24.18% is above the minimum program requirements of 45% |
| &nbsp;&nbsp;&nbsp;534 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID -<br>CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by<br>borrower 3 days before consummation date of XXX | 1.28.2026<br>—<br>Disclosure<br>tracking<br>provided | 1.28.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79% LTV for Subject Property is below guideline max LTV of 95%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO Score of 777 > 157 required guideline requirements of 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 24.18% is above the minimum program requirements of 45% |
| &nbsp;&nbsp;&nbsp;539 | 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 updated valuation | No | CU score is > 2.5. Clayton to order desk review. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 10 years and 5 months at current residence.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV is below program max by > 5%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 738 FICO exceeds program min by > 20 points |
| &nbsp;&nbsp;&nbsp;540 | XXXXXX | XXXXXX | IA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver<br>(PIW)/AW | No | Loan is PIW approved, Clayton to order BPO | 1/26/2026:<br>Received<br>BPO not<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 757 is 137 points above program minimum requirement of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $39,757.83 or 11.03 PITIA |

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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 Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;540 | XXXXXX | XXXXXX | IA | 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 | Loan is PIW approved, Clayton to order BPO. | 1/26/2026: Received BPO not supporting value. | 1/26/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 757 is 137 points above program minimum requirement of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $39,757.83 or 11.03 PITIA |
| &nbsp;&nbsp;&nbsp;540 | XXXXXX | XXXXXX | IA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Value | Active C | PRVAVALU5249 | Property<br>Value Not<br>Supported | Yes | 1/26/2026: Exception added after review of trailing docs: 1/26/2026: Received<br>BPO not supporting value. Clayton to order next level review. | 2/9/2026: Received Ext only 2055, not supporting value.<br>Lender to order a full appraisal. | 2/9/2026:<br>Exception<br>remains. | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 757 is 137 points above program minimum requirement of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $39,757.83 or 11.03 PITIA |
| &nbsp;&nbsp;&nbsp;541 | XXXXXX | XXXXXX | MA | 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 3.0. Clayton to order Desk Review. | 1/26/2026: Received CDA supporting value. | 1/26/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 796 median FICO. Minimum required 620.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified 38.06% DTI. Max allowed 45%. |
| &nbsp;&nbsp;&nbsp;542 | 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 score is >2.5. Clayton to order desk review. | 1/27/2026: Received CDA supporting value. | 1/27/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 755 is 135 point above program minimum requirement of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $1,085,350.52 or 223.20 PITIA |
| &nbsp;&nbsp;&nbsp;544 | XXXXXX | XXXXXX | TN | 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 | PIW approved loan. Clayton to order BPO. | 1/22/2026: Received BPO supporting value. | 1/22/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 3.00% revolving credit utilization<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 743 which exceeds min. requirement 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 Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial<br>Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;544 | 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 D A | PRVAAPPR3116 | Missing updated valuation | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 3.00% revolving credit utilization<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 743 which exceeds min. requirement of 620 |
| &nbsp;&nbsp;&nbsp;546 | 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 of 74.32% is below the minimum requirement of 80%<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 709 FICO Score. Minimum required 620. |
| &nbsp;&nbsp;&nbsp;549 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | Texas<br>Home<br>Equity | Active B | CMPTXHE308 | Voluntary Same-<br>Lender Debt disclosure not provided to borrower | No | Missing<br>Voluntary<br>Same-<br>Lender Debt<br>Disclosure | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 10.5 years in same line of work/profession<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO score of 704 > min,. requirement of 620 |
| &nbsp;&nbsp;&nbsp;549 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | Texas<br>Home<br>Equity | Active B | CMPTXHE320 | TX Equity -<br>Texas Equity : Missing T.42 Title Endorsement | No | Missing<br>T.42 Title<br>Endorsement | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 10.5 years in same line of work/profession<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO score of 704 > min,. requirement of 620 |
| &nbsp;&nbsp;&nbsp;549 | 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 | CMPTXHE321 | TX Equity -<br>Texas Equity : Missing T.42.1 Title Endorsement | No | Missing<br>T.42.1 Title<br>Endorsement | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 10.5 years in same line of work/profession<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO score of 704 > min,. requirement of 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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;551 | XXXXXX | XXXXXX MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | Borrower's<br>Interest | Active B | CMPBI5573 | MN Borrower's Interest-Missing Borrower-<br>Signed TNB form or statement | No | Missing tangible net benefit worksheet. | (No Data) | (No Data) | Not<br>Applicable | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 71 months.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 774 exceeds min score requirement of 620.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 20 years.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer in the past: 20 years. |
| &nbsp;&nbsp;&nbsp;553 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/<br>Qualified Mortgage<br>rule; the loan file is missing documents to<br>complete the ATR/QM review and render an<br>accurate ATR/QM status. | No | Clayton ATR/QM pending for: Missing Note to verify P&I<br>payment. | 1/26/2026: Received the Note. | 1/26/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 715 credit score exceeds standard minimum of 620.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned subject property for 2 years and 11 months.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for 3 years and 9 months. |
| &nbsp;&nbsp;&nbsp;553 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Documentation | Satisfied D A | CMPDOC195 | Missing Note | No | Missing fully executed Note | 1/26/2026: Received the Note. | 1/26/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 715 credit score exceeds standard minimum of 620.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned subject property for 2 years and 11 months.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for 3 years and 9 months. |
| &nbsp;&nbsp;&nbsp;553 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C A | CMPTRID3658 | TRID -<br>Corrected CD should have been provided; APR is<br>greater than APR 3 business days prior to closing<br>by more than allowable tolerance | No | (No Data) | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 715 credit score exceeds standard minimum of 620.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned subject property for 2 years and 11 months.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for 3 years and 9 months. |
| &nbsp;&nbsp;&nbsp;553 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied C A | PRVAAPPR4789 | Appraisal Deficiency | No | 1/26/2026: Exception added after review of trailing docs:<br>CDA meets value, but additional review recommended due to<br>Inadequate/Excessive adjustments to comparables. Clayton to<br>order next level review. | 2/9/2026: Received Field Review supporting value of $XXX. | 2/9/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 715 credit score exceeds standard minimum of 620.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned subject property for 2 years and 11 months.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for 3 years and 9 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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;553 | 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 updated valuation | No | LCA score is >2.5. Clayton to order desk review. | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 715 credit score exceeds standard minimum of 620.<br> CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned subject property for 2 years and 11 months.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for 3 years and 9 months. |
| &nbsp;&nbsp;&nbsp;554 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 77.20% LTV is below the 97% max.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 32.41% DTI is below the 50% max.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 799 FICO score is above the 620 min. |
| &nbsp;&nbsp;&nbsp;557 | XXXXXX | XXXXXX | MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | Borrower's<br>Interest | Active B | CMPBI1623 | MA Borrower Interest; Worksheet missing | No | MA Borrower Interest; Worksheet missing | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: deep credit file with all accts. paid as agreed. No collections, BK, judgements.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 7.11 years current job time<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 44 mos. mtg. payment history with 0X30,60,90 days. Paid as agreed. |
| &nbsp;&nbsp;&nbsp;557 | XXXXXX | XXXXXX | MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C A | CMPTRID3618 | TRID -<br>Corrected CD should have been provided; Change of<br>Product or Product Feature not disclosed at least 3<br>business days prior to closing | No | Please provide evidence that borrower acknowledged<br>receipt of Initial CD 3 days prior to consummation<br>date of XXX | 1.28.2026<br>— ICD<br>received | 1.28.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: deep credit file with all accts. paid as agreed. No collections, BK, judgements.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 7.11 years current job time<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 44 mos. mtg. payment history with 0X30,60,90 days. Paid as agreed. |
| &nbsp;&nbsp;&nbsp;557 | XXXXXX | XXXXXX | MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B | Compliance | TILA/<br>RESPA Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID -<br>CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged<br>receipt of Initial CD 3 days prior to consummation<br>date of XXX | 1.28.2026<br>— ICD<br>received | 1.28.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: deep credit file with all accts. paid as agreed. No collections, BK, judgements.<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 7.11 years current job time<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 44 mos. mtg. payment history with 0X30,60,90 days. Paid as agreed. |

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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 Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;563 | XXXXXX | XXXXXX MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score is not provided. Clayton to order desk review | 1/26/2026: Received CDA supporting value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 806 exceeds minimum required 620.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below Guidelines 95% maximum.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $204,645.54 exceed $0.00 required. |
| &nbsp;&nbsp;&nbsp;564 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient<br>Funds to<br>Close | No | Missing proof of assets. CD in file reflects funds to close in<br>the amount of $107,237.62. Deposits in the amount of<br>$50,000.00 in file. Missing bank statement in file to cover<br>funds to close | 1/30/2026: Received VOD showing sufficient funds to close<br>and reserves. | 1/30/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 21% consumer credit utilization in file<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified 28.49% DTI. Max allowed 45%. |
| &nbsp;&nbsp;&nbsp;564 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C 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 approved, Clayton to order BPO | 1/22/2026: Received BPO supporting value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 21% consumer credit utilization in file<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified 28.49% DTI. Max allowed 45%. |
| &nbsp;&nbsp;&nbsp;564 | XXXXXX | XXXXXX ID | 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 is PIW approved, Clayton to order BPO. | 1/22/2026: Received BPO supporting value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 21% consumer credit utilization in file<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified 28.49% DTI. Max allowed 45%. |
| &nbsp;&nbsp;&nbsp;565 | XXXXXX | XXXXXX CA | 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 approved, Clayton to order BPO | 1/22/2026: Received BPO supporting value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 747 credit score; minimum FICO is 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $44,580.60 or 8.35 months PITI.$0 Required Reserves.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have significant time in profession, 7 years each |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial**<br> **Lender**<br> **ATR/<br>QM**<br> **Status** | **Loan**<br> **Level**<br> **ATR/<br>QM**<br> **Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial<br>Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;565 | 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. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 747 credit score; minimum FICO is 620<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $44,580.60 or 8.35 months PITI.$0 Required Reserves.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have significant time in profession, 7 years each |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor | 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. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 751 exceeds min score requirement of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $447,609.20 or 126.14 months of PITIA.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Co-Borrower has been in this line of work in the past: 12 years. |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor | 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. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 751 exceeds min score requirement of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $447,609.20 or 126.14 months of PITIA.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: Co-Borrower has been in this line of work in the past: 12 years. |
| &nbsp;&nbsp;&nbsp;567 | 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: 805 fico score exceeds guidelines 620<br> CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 6 years at current job |
| &nbsp;&nbsp;&nbsp;571 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan<br>approved<br>with PIW | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 48 months.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 809 exceeds min score requirement 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 Sub Category** | **Condition<br>Status** | **Condition Code** | **Condition Description** | **Condition**<br> **Material**<br> **Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;571 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Loan is approved PIW. Clayton to order BPO. | 1/22/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/22/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 48 months.<br> CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 809 exceeds min score requirement of 620. |
| &nbsp;&nbsp;&nbsp;572 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | Federal Consumer Protection | Satisfied C A | CMPFDCP1781 | TIL -<br>Appraisal Fee Payment Conditioned by Pre-<br>Approved Value or Coercion | No | na | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score of 701 > 81 required guideline requirements of 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34.56% is above the minimum program requirements of 45%<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76% LTV for Subject Property is below guideline max LTV of 95% |
| &nbsp;&nbsp;&nbsp;572 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet<br>guidelines | No | Missing 2024 W-<br>2's for Borrowers Current Employer. The W-2's in the<br>file are blank. | 2/3/2026:<br>Received<br>complete<br>2024 W2. | 2/3/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score of 701 > 81 required guideline requirements of 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34.56% is above the minimum program requirements of 45%<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76% LTV for Subject Property is below guideline max LTV of 95% |
| &nbsp;&nbsp;&nbsp;572 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Title | Satisfied D A | CRDTIL865 | Title incomplete | No | Need Proof that on Schedule B, Part II tha t item #15 2nd<br>Mortgage for $XXX dated 12/26/23 with XXX has been<br>paid in full and removed from Title. | 2/2/2026:<br>Received Full<br>Reconveyance<br>dated<br>10/8/2025. | 2/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score of 701 > 81 required guideline requirements of 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34.56% is above the minimum program requirements of 45%<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76% LTV for Subject Property is below guideline max LTV of 95% |
| &nbsp;&nbsp;&nbsp;572 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support appraised value of<br>$XXX . Fannie Mae CU score in file is 3.3 | 1/26/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score of 701 > 81 required guideline requirements of 620<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34.56% is above the minimum program requirements of 45%<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76% LTV for Subject Property is below guideline max LTV of 95% |

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| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2026-CNF2 Securitization_J16508** |

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**Conditions Report 2.0** 

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| | |
|:---|:---|
| ***Loans in Report:*** | *254* |
| ***Loans with Conditions:*** | *192* |

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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;3 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;7 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;8 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;16 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;17 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;18 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;31 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;32 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;41 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | XXXXXX | XXXXXX D C A B | No |
| &nbsp;&nbsp;&nbsp;46 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;53 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;54 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;58 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;63 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;64 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender**<br> **Application<br>Date** | **Broker**<br> **Application**<br> **Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;77 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;87 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;90 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;93 | XXXXXX | XXXXXX | XXXXXX D C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;94 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;98 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;101 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;104 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | XXXXXX | XXXXXX D B A C | No |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | XXXXXX | XXXXXX D A C | No |
| &nbsp;&nbsp;&nbsp;108 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;112 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;124 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;126 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | XXXXXX | XXXXXX D B C A | No |
| &nbsp;&nbsp;&nbsp;132 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;136 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;141 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender**<br> **Application<br>Date** | **Broker**<br> **Application**<br> **Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;142 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;148 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;152 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;154 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;157 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;158 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;163 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;169 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;170 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;173 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;175 | XXXXXX | XXXXXX | XXXXXX D A C | No |
| &nbsp;&nbsp;&nbsp;176 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;179 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;181 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;184 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;186 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;192 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;193 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;201 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;203 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;206 | 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;207 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;208 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | XXXXXX | XXXXXX D B A C | No |
| &nbsp;&nbsp;&nbsp;210 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;212 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX | XXXXXX D A C | No |
| &nbsp;&nbsp;&nbsp;214 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;215 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;216 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;218 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;219 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;221 | XXXXXX | XXXXXX | XXXXXX C A | No |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;225 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;226 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;229 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;231 | XXXXXX | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;234 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;235 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;237 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;248 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;253 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;259 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;262 | XXXXXX | XXXXXX | XXXXXX 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;264 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;265 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;267 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;271 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;274 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;275 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;277 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;280 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;281 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;285 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;288 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;290 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;294 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;295 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;296 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;297 | XXXXXX | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;299 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;300 | XXXXXX | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;301 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;304 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;305 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;313 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;315 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;316 | XXXXXX | XXXXXX | XXXXXX D C A B | Not Applicable |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;322 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;329 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;330 | XXXXXX | XXXXXX | XXXXXX C 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;331 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;334 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;337 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;340 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;346 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;348 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;350 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;353 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;358 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;361 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;365 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;367 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;369 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;371 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;372 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;375 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;376 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;377 | XXXXXX | XXXXXX | XXXXXX D A B | Yes |
| &nbsp;&nbsp;&nbsp;379 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;381 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;389 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;394 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;396 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;401 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;402 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;403 | XXXXXX | XXXXXX | XXXXXX D B A | Yes |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | XXXXXX | XXXXXX D B A C | 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;412 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;413 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;425 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;427 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;429 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;431 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;432 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;434 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;436 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;437 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;439 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;449 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;453 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;457 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;458 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;459 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;462 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;463 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;466 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;467 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;471 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;472 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;474 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;475 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;477 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;479 | 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;482 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;484 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;485 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;487 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;489 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;491 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;495 | XXXXXX | XXXXXX | XXXXXX D A C B | No |
| &nbsp;&nbsp;&nbsp;497 | XXXXXX | XXXXXX | XXXXXX D C A B | Not Applicable |
| &nbsp;&nbsp;&nbsp;498 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;502 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;503 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;504 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;508 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;512 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;515 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;520 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;521 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;522 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;524 | XXXXXX | XXXXXX | XXXXXX C A | No |
| &nbsp;&nbsp;&nbsp;525 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;530 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;533 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;534 | XXXXXX | XXXXXX | XXXXXX C A | No |
| &nbsp;&nbsp;&nbsp;539 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;540 | XXXXXX | XXXXXX | XXXXXX D C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;541 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;542 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;544 | 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;546 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;549 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;551 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;553 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;554 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;557 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;563 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;564 | XXXXXX | XXXXXX | XXXXXX D B C A | Yes |
| &nbsp;&nbsp;&nbsp;565 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;571 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;572 | XXXXXX | XXXXXX | XXXXXX D A C | No |

---

## Exhibit 99.3

**EXHIBIT 99.3** 

**CLAYTON RATING AGENCY ATR QM DATA FIELDS** 

------

---

| | |
|:---|:---|
| **Client Name:**<br> **Client Project Name:** | **PennyMac**<br> **PNMAC PMTLT 2026-CNF2 Securitization_J16508** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *254* |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application**<br> **Date Prior**<br> **to 1/10/2014** | **Lender**<br> **Application**<br> **Date** | **Broker**<br> **Application**<br> **Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM**<br> **Total**<br> **Points**<br> **and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign<br>National<br>Indicator** | **Bwr 2<br>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;3 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 13041.38 | XXXXXX | 6.2625 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9518 | XXXXXX | 6.6574 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1071.92 | XXXXXX | 6.0213 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;7 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 12688 | XXXXXX | 6.4135 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;8 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8471.27 | XXXXXX | 6.2887 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8088 | XXXXXX | 6.6903 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4590 | XXXXXX | 5.6505 | Retired | 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 | 10469 | XXXXXX | 6.135 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;17 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8636.2 | XXXXXX | 6.7139 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;18 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9969 | XXXXXX | 6.1737 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1128 | XXXXXX | 6.774 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11920 | XXXXXX | 6.1706 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5062.88 | XXXXXX | 6.2206 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;31 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10239.88 | XXXXXX | 6.7016 | 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 | 8981.63 | XXXXXX | 6.4116 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6400.5 | XXXXXX | 6.6892 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2573.84 | XXXXXX | 5.988 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;41 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1014 | XXXXXX | 6.5239 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2982.57 | XXXXXX | 6.4851 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1089 | XXXXXX | 7.4044 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1454 | XXXXXX | 6.1827 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;46 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1549 | XXXXXX | 6.5376 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;53 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1619 | XXXXXX | 5.928 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;54 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.2635 | 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 | 1574 | XXXXXX | 6.021 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 9101.35 | XXXXXX | 6.1624 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application**<br> **Date Prior**<br> **to 1/10/2014** | **Lender**<br> **Application**<br> **Date** | **Broker**<br> **Application**<br> **Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM**<br> **Total**<br> **Points**<br> **and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign<br>National<br>Indicator** | **Bwr 2<br>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;60 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11535.92 | XXXXXX | 5.869 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;63 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 5706.7 | XXXXXX | 6.2191 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;64 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 5494.8 | XXXXXX | 5.7803 | 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 | 1574 | XXXXXX | 5.8642 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 16139.39 | XXXXXX | 6.574 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;77 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.0561 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.076 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 9934.96 | XXXXXX | 6.2534 | Employed | Employed | 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 | 6.2882 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;87 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.7456 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 11327.57 |
| &nbsp;&nbsp;&nbsp;90 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4630.02 | XXXXXX | 6.0614 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;93 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.3226 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;94 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8310.89 | XXXXXX | 5.964 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 250 | XXXXXX | 5.6647 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;98 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3527.25 | XXXXXX | 5.9205 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;101 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1574 | XXXXXX | 5.7753 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.8676 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;104 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2499 | XXXXXX | 5.6732 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 4301.5 | XXXXXX | 5.6532 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4464.16 | XXXXXX | 6.3101 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;108 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2663.9 | XXXXXX | 5.6924 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.98 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;112 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.1207 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.9236 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1724 | XXXXXX | 5.6599 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 12528.6 |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6620.44 | XXXXXX | 6.4783 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;124 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.6486 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 949 | XXXXXX | 6.0002 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;126 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3417.95 | XXXXXX | 5.6622 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application**<br> **Date Prior**<br> **to 1/10/2014** | **Lender**<br> **Application**<br> **Date** | **Broker**<br> **Application**<br> **Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM**<br> **Total**<br> **Points**<br> **and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign<br>National<br>Indicator** | **Bwr 2<br>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;129 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1574 | XXXXXX | 5.6815 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;132 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.6354 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;136 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.6256 | 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 | 4795.63 | XXXXXX | 5.7601 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;141 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7751.1 | XXXXXX | 5.7893 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;142 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2619 | XXXXXX | 5.8124 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2100 | XXXXXX | 6.9637 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.7439 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;148 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1294.64 | XXXXXX | 5.9013 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3487.2 | XXXXXX | 6.147 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;152 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1574 | XXXXXX | 6.1551 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;154 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.1708 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;157 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1500 | XXXXXX | 5.7096 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;158 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.0487 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1851.4 | XXXXXX | 6.2536 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;163 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11930 | XXXXXX | 6.1001 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2499 | XXXXXX | 6.1753 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;169 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5375.89 | XXXXXX | 6.346 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;170 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2739 | XXXXXX | 5.7297 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;173 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4258 | XXXXXX | 5.7745 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7935.2 | XXXXXX | 5.768 | 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 | 3457 | XXXXXX | 6.0397 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;176 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9005.26 | XXXXXX | 5.7621 | 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 | 3443 | XXXXXX | 6.483 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;181 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.9302 | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.7381 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;184 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2956.13 | XXXXXX | 6.1888 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;186 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1569 | XXXXXX | 6.06 | Employed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4808.06 | XXXXXX | 5.9568 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application**<br> **Date Prior**<br> **to 1/10/2014** | **Lender**<br> **Application**<br> **Date** | **Broker**<br> **Application**<br> **Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM**<br> **Total**<br> **Points**<br> **and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign<br>National<br>Indicator** | **Bwr 2<br>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;191 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7214 | XXXXXX | 6.3725 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;192 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1500 | XXXXXX | 6.139 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;193 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3816.79 | XXXXXX | 6.0505 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;201 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2739 | XXXXXX | 6.0262 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;203 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2619 | XXXXXX | 6.0459 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;206 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.0175 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4514 | XXXXXX | 6.4238 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;208 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3675 | XXXXXX | 5.696 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1624.8 | XXXXXX | 6.4781 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;210 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 800 | XXXXXX | 6.3054 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;212 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4880 | XXXXXX | 6.7072 | 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 | 0 | XXXXXX | 6.4956 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;214 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10699.48 | XXXXXX | 6.8462 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;215 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3423 | XXXXXX | 6.1821 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;216 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1195 | XXXXXX | 5.7686 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3252.28 | XXXXXX | 6.4446 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;218 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1745 | XXXXXX | 6.42 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;219 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1595 | XXXXXX | 6.472 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;221 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 895 | XXXXXX | 6.4295 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6871 | XXXXXX | 5.8293 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;225 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7244.17 | XXXXXX | 6.2344 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;226 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1525 | XXXXXX | 6.6677 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8609 | XXXXXX | 6.1334 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;229 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 15044.24 | XXXXXX | 5.7971 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;231 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5755 | XXXXXX | 7.025 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1745 | XXXXXX | 6.1617 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;234 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 510 | XXXXXX | 5.8889 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;235 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9140 | XXXXXX | 6.6527 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2709.07 | XXXXXX | 5.6125 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application**<br> **Date Prior**<br> **to 1/10/2014** | **Lender**<br> **Application**<br> **Date** | **Broker**<br> **Application**<br> **Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM**<br> **Total**<br> **Points**<br> **and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign<br>National<br>Indicator** | **Bwr 2<br>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;237 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2145 | XXXXXX | 6.9373 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;248 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 899 | XXXXXX | 6.0232 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;253 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.3783 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3633.8 | XXXXXX | 6.0597 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | ATR/QM: Status Pending | No | XXXXXX | XXXXXX | Yes | No | 10795.2 | XXXXXX | 7.0629 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;259 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 4361.8 | XXXXXX | 6.4525 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;262 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 995 | XXXXXX | 6.1622 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6870.31 | XXXXXX | 6.3345 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;265 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.0918 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;267 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1225 | XXXXXX | 6.6556 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;271 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2930 | XXXXXX | 7.4346 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;274 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1290 | XXXXXX | 6.2299 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;275 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 120 | XXXXXX | 6.1218 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;277 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1050 | XXXXXX | 6.1639 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;280 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.0106 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;281 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 6207.95 | XXXXXX | 6.5489 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 1064.74 |
| &nbsp;&nbsp;&nbsp;285 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10589 | XXXXXX | 6.5692 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 595 | XXXXXX | 6.6497 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;288 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.2109 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;290 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1640 | XXXXXX | 6.9095 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5779.44 | XXXXXX | 6.0098 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;294 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6130 | XXXXXX | 6.5381 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;295 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1500 | XXXXXX | 6.1882 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;296 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6809.19 | XXXXXX | 6.7805 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;297 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 8732.95 | XXXXXX | 6.3459 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.8746 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;299 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1745 | XXXXXX | 6.1736 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;300 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3050 | XXXXXX | 6.1717 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;301 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 565.86 | XXXXXX | 5.3536 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application**<br> **Date Prior**<br> **to 1/10/2014** | **Lender**<br> **Application**<br> **Date** | **Broker**<br> **Application**<br> **Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM**<br> **Total**<br> **Points**<br> **and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign<br>National<br>Indicator** | **Bwr 2<br>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;304 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1575 | XXXXXX | 7.0967 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;305 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3747.36 | XXXXXX | 5.7115 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;313 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9775 | XXXXXX | 6.2413 | 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 | 0 | XXXXXX | 5.3418 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;316 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 12109.09 | XXXXXX | 5.743 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1485 | XXXXXX | 6.1705 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;322 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 12522.05 | XXXXXX | 6.5975 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;329 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2085 | XXXXXX | 6.4276 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;330 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2752.5 | XXXXXX | 6.4164 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;331 | XXXXXX | ATR/QM: Status Pending | No | XXXXXX | XXXXXX | Yes | No | 9063.39 | XXXXXX | 5.9727 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;334 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1055 | XXXXXX | 6.6505 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;337 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 5.8392 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;340 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1150 | XXXXXX | 5.9028 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1845 | XXXXXX | 7.0328 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;346 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1995 | XXXXXX | 6.6223 | Employed | (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 | 2345 | XXXXXX | 6.445 | 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 | 6241.62 | XXXXXX | 6.0462 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;353 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 899 | XXXXXX | 6.1682 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;358 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.6157 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;361 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1620 | XXXXXX | 6.619 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;365 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1690 | XXXXXX | 5.8147 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;367 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1720 | XXXXXX | 7.1426 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;369 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5871.6 | XXXXXX | 6.9416 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;371 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2145 | XXXXXX | 6.7156 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;372 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 546.04 | XXXXXX | 5.5266 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 9591.6 |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 895 | XXXXXX | 6.7746 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;375 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2065 | XXXXXX | 7.1042 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;376 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2395 | XXXXXX | 6.766 | 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 | 1190 | XXXXXX | 6.7078 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application**<br> **Date Prior**<br> **to 1/10/2014** | **Lender**<br> **Application**<br> **Date** | **Broker**<br> **Application**<br> **Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM**<br> **Total**<br> **Points**<br> **and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign<br>National<br>Indicator** | **Bwr 2<br>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;379 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 20000 | XXXXXX | 6.2448 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;381 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3203.5 | XXXXXX | 6.7494 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;389 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5005.6 | XXXXXX | 6.6672 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3408.14 | XXXXXX | 6.2472 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;394 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10332.5 | XXXXXX | 6.6882 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;396 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7295 | XXXXXX | 5.9869 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;401 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1035 | XXXXXX | 6.9511 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;402 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1395 | XXXXXX | 5.9055 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;403 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7145 | XXXXXX | 6.049 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7365 | XXXXXX | 5.9991 | Unemployed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;412 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9012.45 | XXXXXX | 6.9946 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;413 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2498 | XXXXXX | 6.0963 | 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 | 4443 | XXXXXX | 6.0441 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;425 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1890 | XXXXXX | 6.1654 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;427 | XXXXXX | ATR/QM: Status Pending | No | XXXXXX | XXXXXX | No | No | 16910.51 | XXXXXX | 6.0978 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;429 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1495 | XXXXXX | 5.897 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;431 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11786 | XXXXXX | 6.6156 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;432 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 13295 | XXXXXX | 6.1463 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;434 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.1154 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;436 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.9766 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;437 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1710 | XXXXXX | 6.026 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;439 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 10088.59 | XXXXXX | 6.6097 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;449 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 4261 | XXXXXX | 6.6429 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.9443 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;453 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1445 | XXXXXX | 6.5849 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | QM: Rebuttable Presumption (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6656.28 | XXXXXX | 7.7902 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;457 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3818 | XXXXXX | 5.8055 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;458 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3300 | XXXXXX | 5.8057 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;459 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1525 | XXXXXX | 6.1338 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application Date<br>Prior to<br>1/10/2014** | **Lender Application<br>Date** | **Broker Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM**<br> **Total**<br> **Points**<br> **and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign<br>National<br>Indicator** | **Bwr 2<br>Foreign<br>National<br>Indicator** | **Borrowers**<br> **Qualified**<br> **Through a**<br> **Non-Resident**<br> **Alien Program** | **Residual**<br> **Income**<br> **Analysis in File** | **ATR/**<br> **QM**<br> **Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;462 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10200 | XXXXXX | 6.716 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;463 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1595 | XXXXXX | 5.9382 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;466 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6050 | XXXXXX | 5.8644 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;467 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1640 | XXXXXX | 6.5889 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1640 | XXXXXX | 6.5926 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;471 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 102.94 | XXXXXX | 6.1352 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;472 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9495 | XXXXXX | 7.3085 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;474 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1575 | XXXXXX | 6.0223 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;475 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1460.08 | XXXXXX | 5.9383 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;477 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1280 | XXXXXX | 5.7852 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;479 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 928 | XXXXXX | 5.8943 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;482 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7778.75 | XXXXXX | 6.0824 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;484 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1495 | XXXXXX | 6.6448 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;485 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1211.5 | XXXXXX | 7.0218 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;487 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3389 | XXXXXX | 6.6903 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;489 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1575.77 | XXXXXX | 6.435 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1106.12 | XXXXXX | 6.3796 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;491 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1624.21 | XXXXXX | 5.8887 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;495 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5061.3 | XXXXXX | 6.0557 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;497 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 9052 | XXXXXX | 6.0049 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;498 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3054 | XXXXXX | 6.4246 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;502 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.875 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;503 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4465.58 | XXXXXX | 6.1827 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;504 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6332.12 | XXXXXX | 6.333 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;508 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2582.16 | XXXXXX | 6.1447 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 12794.86 | XXXXXX | 6.5975 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;512 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1690 | XXXXXX | 6.4148 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;515 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1599 | XXXXXX | 7.3964 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;520 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 5.764 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

---

------

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application**<br> **Date Prior**<br> **to 1/10/2014** | **Lender**<br> **Application**<br> **Date** | **Broker**<br> **Application**<br> **Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM**<br> **Total**<br> **Points**<br> **and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign<br>National<br>Indicator** | **Bwr 2<br>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;521 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.1406 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;522 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3797.5 | XXXXXX | 6.1843 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;524 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.9486 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;525 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1499 | XXXXXX | 6.165 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;530 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 14266.88 | XXXXXX | 6.8186 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;533 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1735 | XXXXXX | 6.2741 | Employed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;534 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1985 | XXXXXX | 5.7734 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;539 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7915 | XXXXXX | 6.2205 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;540 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 350.52 | XXXXXX | 5.998 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;541 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1640 | XXXXXX | 6.5389 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;542 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1495 | XXXXXX | 6.4015 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;544 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1774.8 | XXXXXX | 5.9944 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;546 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2090 | XXXXXX | 6.8268 | Retired | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;549 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1500 | XXXXXX | 7.1785 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;551 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5162.8 | XXXXXX | 6.6696 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;553 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5158 | XXXXXX | 6.9065 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;554 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 5.8839 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;557 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 19881.5 | XXXXXX | 6.9562 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;563 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1419 | XXXXXX | 5.9021 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;564 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1618.15 | XXXXXX | 6.1095 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;565 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8210 | XXXXXX | 6.279 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 800 | XXXXXX | 6.1245 | 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 | 0 | XXXXXX | 5.8906 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;571 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1790 | XXXXXX | 6.0397 | 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 | 5590 | XXXXXX | 6.5123 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

---

<sup>©</sup>2026 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 2026-CNF2 Securitization_J16508 |
| <br> **Loan Level Tape Compare Upload** | <br> **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;3 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | Borrower 1 Total Income | 4279.40 | 9828.75 |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | Origination Channel | Broker | Retail |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | Total Monthly Income | 14425.13 | 13828.74 |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | Total Monthly Income | 19305.33 | 18906.91 |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | XXXXXX | Borrower 1 Total Income | 77480.11 | 79404.64 |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | XXXXXX | Total Monthly Income | 77480.11 | 79404.64 |
| &nbsp;&nbsp;&nbsp;7 | XXXXXX | XXXXXX | Borrower 1 Total Income | 6747.93 | 6701.65 |
| &nbsp;&nbsp;&nbsp;8 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;8 | XXXXXX | XXXXXX | Cash Reserves | 158050.95 | 112754.04 |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | Borrower 1 Total Income | 7170.73 | 7168.89 |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | Total Monthly Income | 7170.73 | 7168.89 |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | XXXXXX | Cash Reserves | 2257634.99 | 1981321.05 |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | XXXXXX | Total Monthly Income | 12059.45 | 12061.48 |
| &nbsp;&nbsp;&nbsp;16 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;16 | XXXXXX | XXXXXX | Cash Reserves | 91790.21 | 80311.06 |
| &nbsp;&nbsp;&nbsp;17 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;17 | XXXXXX | XXXXXX | Cash Reserves | 102469.99 | 50133.67 |
| &nbsp;&nbsp;&nbsp;18 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;18 | XXXXXX | XXXXXX | Cash Reserves | 624452.39 | 124220.57 |
| &nbsp;&nbsp;&nbsp;18 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 24.0230 | 18.1481 |
| &nbsp;&nbsp;&nbsp;18 | XXXXXX | XXXXXX | Total Monthly Income | 22397.61 | 25294.88 |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Approve/Eligible DU/DO AUS Only |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 759 | 719 |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | XXXXXX | Cash Reserves | 173844.43 | 35195.63 |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | XXXXXX | Total Monthly Income | 21464.45 | 21472.25 |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | Borrower 1 Total Income | 11435.92 | 25345.58 |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | Cash Reserves | 72990.22 | 16822.16 |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.4060 | 24.0079 |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | Total Monthly Income | 11435.92 | 25345.58 |
| &nbsp;&nbsp;&nbsp;32 | XXXXXX | XXXXXX | Borrower 2 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;32 | XXXXXX | XXXXXX | Cash Reserves | 153107.03 | 38192.58 |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | XXXXXX | Cash Reserves | 112697.05 | 24161.40 |
| &nbsp;&nbsp;&nbsp;41 | XXXXXX | XXXXXX | Cash Reserves | 37004.49 | 36505.11 |
| &nbsp;&nbsp;&nbsp;41 | XXXXXX | XXXXXX | Origination Channel | Broker | Correspondent Bulk |

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------

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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;41 | XXXXXX | XXXXXX | Total Monthly Income | 35656.37 | 29658.10 |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | Cash Reserves | 246943.91 | 10670.29 |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | Origination Channel | Broker | Correspondent Bulk |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | Total Monthly Income | 15858.72 | 16153.77 |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Approve/Eligible DU/DO AUS Only |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | XXXXXX | Cash Reserves | 200826.65 | 119472.63 |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | XXXXXX | Origination Channel | Broker | Correspondent Bulk |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | XXXXXX | Total Monthly Income | 10804.86 | 10652.35 |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | XXXXXX | Origination Channel | Broker | Correspondent Bulk |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | XXXXXX | Property Type | Detached PUD | SFR |
| &nbsp;&nbsp;&nbsp;46 | XXXXXX | XXXXXX | Cash Reserves | 170166.15 | 2957.56 |
| &nbsp;&nbsp;&nbsp;46 | XXXXXX | XXXXXX | Origination Channel | Broker | Correspondent Bulk |
| &nbsp;&nbsp;&nbsp;53 | XXXXXX | XXXXXX | Cash Reserves | 165793.91 | 289878.17 |
| &nbsp;&nbsp;&nbsp;53 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;54 | XXXXXX | XXXXXX | Cash Reserves | 118858.40 | 15298.87 |
| &nbsp;&nbsp;&nbsp;54 | XXXXXX | XXXXXX | Total Monthly Income | 13286.30 | 13286.31 |
| &nbsp;&nbsp;&nbsp;58 | XXXXXX | XXXXXX | Product Type | 29 Yr Conventional | 30 Yr Fixed |
| &nbsp;&nbsp;&nbsp;58 | XXXXXX | XXXXXX | Total Monthly Income | 15203.47 | 15055.57 |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | XXXXXX | Borrower 1 Total Income | 6401.82 | 6437.47 |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | XXXXXX | Cash Reserves | 69496.89 | 86934.20 |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | XXXXXX | Total Monthly Income | 8296.81 | 8880.96 |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | Total Monthly Income | 11920.25 | 11804.00 |
| &nbsp;&nbsp;&nbsp;64 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | No | Yes |
| &nbsp;&nbsp;&nbsp;64 | XXXXXX | XXXXXX | Borrower 1 Total Income | 1.00 | 19086.50 |
| &nbsp;&nbsp;&nbsp;64 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;64 | XXXXXX | XXXXXX | Total Monthly Income | 19087.50 | 19086.50 |
| &nbsp;&nbsp;&nbsp;77 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;77 | XXXXXX | XXXXXX | Borrower 1 Total Income | 7471.65 | 7455.05 |
| &nbsp;&nbsp;&nbsp;77 | XXXXXX | XXXXXX | Cash Reserves | 249135.58 | 40603.83 |
| &nbsp;&nbsp;&nbsp;77 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 26.6670 | 41.9959 |
| &nbsp;&nbsp;&nbsp;77 | XXXXXX | XXXXXX | Total Monthly Income | 32679.38 | 33733.97 |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | XXXXXX | Borrower 1 Total Income | 34298.57 | 30012.83 |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 27.2910 | 34.2371 |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | XXXXXX | Total Monthly Income | 34298.57 | 30012.83 |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | XXXXXX | Borrower 1 Total Income | 8471.74 | 11406.00 |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | XXXXXX | Total Monthly Income | 14601.48 | 14989.00 |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | XXXXXX | Borrower 1 Total Income | 8954.18 | 9013.06 |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | XXXXXX | Cash Reserves | 102347.54 | 5468.27 |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | XXXXXX | Total Monthly Income | 8954.18 | 9013.06 |
| &nbsp;&nbsp;&nbsp;87 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;87 | XXXXXX | XXXXXX | Borrower 1 Total Income | 14278.23 | 16289.39 |
| &nbsp;&nbsp;&nbsp;87 | XXXXXX | XXXXXX | Total Monthly Income | 16233.80 | 16289.39 |
| &nbsp;&nbsp;&nbsp;90 | XXXXXX | XXXXXX | Borrower 1 Total Income | 14561.06 | 14634.41 |
| &nbsp;&nbsp;&nbsp;90 | XXXXXX | XXXXXX | Total Monthly Income | 14561.06 | 14634.41 |
| &nbsp;&nbsp;&nbsp;93 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;93 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;93 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;93 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;93 | XXXXXX | XXXXXX | Property Type | Detached PUD | SFR |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |

---

------

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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;97 | XXXXXX | XXXXXX | Borrower 1 Total Income | 8916.67 | 8958.44 |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | XXXXXX | Total Monthly Income | 8916.67 | 8958.44 |
| &nbsp;&nbsp;&nbsp;98 | XXXXXX | XXXXXX | Borrower 1 Total Income | 8642.01 | 9148.62 |
| &nbsp;&nbsp;&nbsp;98 | XXXXXX | XXXXXX | Cash Reserves | 10217.91 | 93491.67 |
| &nbsp;&nbsp;&nbsp;98 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 35.0390 | 29.8896 |
| &nbsp;&nbsp;&nbsp;98 | XXXXXX | XXXXXX | Total Monthly Income | 12689.36 | 14875.70 |
| &nbsp;&nbsp;&nbsp;101 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;101 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | XXXXXX | Cash Reserves | 7448.61 | 7505.35 |
| &nbsp;&nbsp;&nbsp;104 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;104 | XXXXXX | XXXXXX | Borrower 1 Total Income | 14925.00 | 20249.72 |
| &nbsp;&nbsp;&nbsp;104 | XXXXXX | XXXXXX | Total Monthly Income | 20250.00 | 20249.72 |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | XXXXXX | Cash Reserves | 1.96 | 68515.46 |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | XXXXXX | Borrower 1 Total Income | 9904.44 | 10023.65 |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | XXXXXX | Total Monthly Income | 9904.44 | 10023.65 |
| &nbsp;&nbsp;&nbsp;108 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;108 | XXXXXX | XXXXXX | Total Monthly Income | 11478.79 | 12389.77 |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.9400 | 44.3150 |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | XXXXXX | Total Monthly Income | 9816.85 | 11117.06 |
| &nbsp;&nbsp;&nbsp;112 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;112 | XXXXXX | XXXXXX | Borrower 1 Total Income | 10743.40 | 10744.76 |
| &nbsp;&nbsp;&nbsp;112 | XXXXXX | XXXXXX | Total Monthly Income | 13131.39 | 13138.27 |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | XXXXXX | Borrower 1 Total Income | 10417.98 | 10416.67 |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | XXXXXX | Total Monthly Income | 16678.97 | 16677.66 |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | XXXXXX | Property Type | Detached PUD | SFR |
| &nbsp;&nbsp;&nbsp;124 | XXXXXX | XXXXXX | Borrower 1 Total Income | 23432.54 | 23048.91 |
| &nbsp;&nbsp;&nbsp;124 | XXXXXX | XXXXXX | Total Monthly Income | 39735.33 | 39792.80 |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | XXXXXX | Borrower 1 Total Income | 11398.36 | 11914.93 |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | XXXXXX | Total Monthly Income | 11398.36 | 11914.93 |
| &nbsp;&nbsp;&nbsp;126 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;126 | XXXXXX | XXXXXX | Cash Reserves | 77589.70 | 111500.38 |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | XXXXXX | Cash Reserves | 17041.51 | 19576.23 |
| &nbsp;&nbsp;&nbsp;132 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;136 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | XXXXXX | Borrower 1 Total Income | 20041.67 | 20102.67 |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | XXXXXX | Cash Reserves | 9603.25 | 9004.12 |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | XXXXXX | Total Monthly Income | 20041.67 | 20102.67 |
| &nbsp;&nbsp;&nbsp;141 | XXXXXX | XXXXXX | Cash Reserves | 11103.23 | 11078.15 |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 47.4400 | 43.0861 |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | XXXXXX | Borrower 1 Total Income | 14594.15 | 14992.63 |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | XXXXXX | Total Monthly Income | 26260.83 | 26659.30 |
| &nbsp;&nbsp;&nbsp;515 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;515 | XXXXXX | XXXXXX | Cash Reserves | 45133.93 | 16843.32 |
| &nbsp;&nbsp;&nbsp;515 | XXXXXX | XXXXXX | Total Monthly Income | 11510.90 | 11937.96 |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | XXXXXX | Borrower 1 Total Income | 7000.00 | 24369.92 |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | XXXXXX | Cash Reserves | 423200.94 | 493696.73 |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | XXXXXX | Total Monthly Income | 19731.67 | 24369.92 |
| &nbsp;&nbsp;&nbsp;154 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;154 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;154 | XXXXXX | XXXXXX | Total Monthly Income | 44713.21 | 47045.54 |
| &nbsp;&nbsp;&nbsp;157 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;157 | XXXXXX | XXXXXX | Cash Reserves | 50206.47 | 55259.38 |
| &nbsp;&nbsp;&nbsp;158 | XXXXXX | XXXXXX | Cash Reserves | 686199.74 | 627065.89 |
| &nbsp;&nbsp;&nbsp;158 | XXXXXX | XXXXXX | Origination Channel | Retail | Correspondent Bulk |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | XXXXXX | Borrower 1 Total Income | 6765.24 | 6765.20 |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | XXXXXX | Total Monthly Income | 6765.24 | 6765.20 |
| &nbsp;&nbsp;&nbsp;163 | XXXXXX | XXXXXX | Cash Reserves | 3916.85 | 6799.99 |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;169 | XXXXXX | XXXXXX | Borrower 1 Total Income | 9506.66 | 9506.64 |
| &nbsp;&nbsp;&nbsp;169 | XXXXXX | XXXXXX | Total Monthly Income | 9506.66 | 9506.64 |
| &nbsp;&nbsp;&nbsp;170 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 36.6250 | 41.8779 |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX | Total Monthly Income | 13361.36 | 13361.34 |
| &nbsp;&nbsp;&nbsp;175 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;181 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;181 | XXXXXX | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | XXXXXX | Borrower 1 Total Income | 11731.00 | 11706.00 |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | XXXXXX | Product Type | 28 Yr Conventional | 27 Yr Fixed |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | XXXXXX | Total Monthly Income | 11731.00 | 11706.00 |
| &nbsp;&nbsp;&nbsp;184 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;184 | XXXXXX | XXXXXX | Borrower 1 Total Income | 14044.25 | 13976.47 |
| &nbsp;&nbsp;&nbsp;184 | XXXXXX | XXXXXX | Total Monthly Income | 22377.58 | 22309.81 |
| &nbsp;&nbsp;&nbsp;186 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;186 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;186 | XXXXXX | XXXXXX | Cash Reserves | 406844.28 | 119274.86 |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | XXXXXX | Borrower 1 Total Income | 8582.34 | 8575.42 |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | XXXXXX | Total Monthly Income | 8582.34 | 8575.42 |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | XXXXXX | Borrower 1 Total Income | 7938.27 | 8209.07 |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | XXXXXX | Total Monthly Income | 7938.27 | 8209.07 |
| &nbsp;&nbsp;&nbsp;193 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;193 | XXXXXX | XXXXXX | Borrower 1 Total Income | 18905.79 | 17827.16 |
| &nbsp;&nbsp;&nbsp;193 | XXXXXX | XXXXXX | Cash Reserves | 86185.72 | 94629.82 |
| &nbsp;&nbsp;&nbsp;201 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;201 | XXXXXX | XXXXXX | Borrower 1 Total Income | 3960.00 | 9937.34 |
| &nbsp;&nbsp;&nbsp;203 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;206 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 728 | 729 |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | XXXXXX | Total Monthly Income | 7057.41 | 7056.83 |
| &nbsp;&nbsp;&nbsp;208 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;208 | XXXXXX | XXXXXX | Borrower 1 Total Income | 7916.67 | 7875.00 |
| &nbsp;&nbsp;&nbsp;208 | XXXXXX | XXXXXX | Cash Reserves | 130909.24 | 12747.56 |
| &nbsp;&nbsp;&nbsp;208 | XXXXXX | XXXXXX | Origination Channel | Correspondent Flow with delegated underwriting | Broker |
| &nbsp;&nbsp;&nbsp;208 | XXXXXX | XXXXXX | Total Monthly Income | 7916.67 | 7875.00 |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | XXXXXX | Cash Reserves | 131878.99 | 187000.00 |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | XXXXXX | Total Monthly Income | 12572.33 | 12515.50 |
| &nbsp;&nbsp;&nbsp;210 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;210 | XXXXXX | XXXXXX | Borrower 1 Total Income | 14591.67 | 14591.68 |
| &nbsp;&nbsp;&nbsp;210 | XXXXXX | XXXXXX | Cash Reserves | 232250.43 | 87493.69 |
| &nbsp;&nbsp;&nbsp;210 | XXXXXX | XXXXXX | Total Monthly Income | 14591.67 | 14591.68 |
| &nbsp;&nbsp;&nbsp;212 | XXXXXX | XXXXXX | Cash Reserves | 202140.08 | 21946.95 |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX | Borrower 1 Total Income | 13984.53 | 13984.00 |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX | Cash Reserves | 153182.93 | 45216.65 |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX | Total Monthly Income | 13984.53 | 13984.00 |
| &nbsp;&nbsp;&nbsp;214 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;214 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Approve/Eligible DU/DO AUS Only |
| &nbsp;&nbsp;&nbsp;214 | XXXXXX | XXXXXX | Cash Reserves | 271165.39 | 3778710.63 |
| &nbsp;&nbsp;&nbsp;214 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| &nbsp;&nbsp;&nbsp;215 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;215 | XXXXXX | XXXXXX | Borrower 1 Total Income | 10833.83 | 10833.33 |
| &nbsp;&nbsp;&nbsp;215 | XXXXXX | XXXXXX | Cash Reserves | 128474.89 | 90831.34 |
| &nbsp;&nbsp;&nbsp;215 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;215 | XXXXXX | XXXXXX | Total Monthly Income | 10833.83 | 10833.33 |
| &nbsp;&nbsp;&nbsp;216 | XXXXXX | XXXXXX | Borrower 1 Total Income | 9441.66 | 9441.67 |
| &nbsp;&nbsp;&nbsp;216 | XXXXXX | XXXXXX | Cash Reserves | 286737.07 | 97314.51 |
| &nbsp;&nbsp;&nbsp;216 | XXXXXX | XXXXXX | Total Monthly Income | 16497.95 | 16497.96 |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | XXXXXX | Borrower 1 Total Income | 39032.42 | 51275.42 |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | XXXXXX | Cash Reserves | 189462.55 | 184384.01 |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 43.8230 | 33.3465 |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | XXXXXX | Total Monthly Income | 39032.42 | 51275.42 |
| &nbsp;&nbsp;&nbsp;218 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;218 | XXXXXX | XXXXXX | Borrower 1 Total Income | 14506.00 | 14506.96 |
| &nbsp;&nbsp;&nbsp;218 | XXXXXX | XXXXXX | Cash Reserves | 254932.00 | 150268.12 |
| &nbsp;&nbsp;&nbsp;218 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;218 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 25.6010 | 21.3193 |
| &nbsp;&nbsp;&nbsp;218 | XXXXXX | XXXXXX | Origination Channel | Correspondent Flow with delegated underwriting | Retail |
| &nbsp;&nbsp;&nbsp;219 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;219 | XXXXXX | XXXXXX | Cash Reserves | 1181765.73 | 1071827.65 |
| &nbsp;&nbsp;&nbsp;219 | XXXXXX | XXXXXX | Origination Channel | Correspondent Flow with delegated underwriting | Retail |
| &nbsp;&nbsp;&nbsp;221 | XXXXXX | XXXXXX | Cash Reserves | 54748.00 | 54748.58 |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | XXXXXX | Borrower 2 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | XXXXXX | Cash Reserves | 400000.00 | 871.05 |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 46.3100 | 42.0208 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;225 | XXXXXX | XXXXXX | Borrower 1 Total Income | 4848.17 | 4368.00 |
| &nbsp;&nbsp;&nbsp;225 | XXXXXX | XXXXXX | Cash Reserves | 120219.86 | 35613.09 |
| &nbsp;&nbsp;&nbsp;225 | XXXXXX | XXXXXX | Total Monthly Income | 10894.33 | 10410.70 |
| &nbsp;&nbsp;&nbsp;226 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;226 | XXXXXX | XXXXXX | Borrower 1 Total Income | 4537.86 | 4613.99 |
| &nbsp;&nbsp;&nbsp;226 | XXXXXX | XXXXXX | Cash Reserves | 73604.00 | 7714.16 |
| &nbsp;&nbsp;&nbsp;226 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;226 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 45.7020 | 39.2927 |
| &nbsp;&nbsp;&nbsp;226 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;226 | XXXXXX | XXXXXX | Total Monthly Income | 24233.86 | 25860.07 |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | XXXXXX | Cash Reserves | 1500000.00 | 132990.53 |
| &nbsp;&nbsp;&nbsp;229 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;229 | XXXXXX | XXXXXX | Cash Reserves | 1506835.92 | 1389513.71 |
| &nbsp;&nbsp;&nbsp;229 | XXXXXX | XXXXXX | Total Monthly Income | 13285.49 | 13595.00 |
| &nbsp;&nbsp;&nbsp;231 | XXXXXX | XXXXXX | Appraisal Form Type | Other | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;231 | XXXXXX | XXXXXX | Borrower 1 Total Income | 17499.12 | 17462.28 |
| &nbsp;&nbsp;&nbsp;231 | XXXXXX | XXXXXX | Cash Reserves | 4507.95 | 4507.96 |
| &nbsp;&nbsp;&nbsp;231 | XXXXXX | XXXXXX | Total Monthly Income | 17499.12 | 17462.28 |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | XXXXXX | Borrower 1 Total Income | 8333.33 | 8333.32 |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | XXXXXX | Cash Reserves | 155678.98 | 100394.47 |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | XXXXXX | Total Monthly Income | 15640.53 | 15640.52 |
| &nbsp;&nbsp;&nbsp;234 | XXXXXX | XXXXXX | Cash Reserves | 90881.92 | 18628.91 |
| &nbsp;&nbsp;&nbsp;235 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;235 | XXXXXX | XXXXXX | Cash Reserves | 998461.75 | 715741.66 |
| &nbsp;&nbsp;&nbsp;235 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;235 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;235 | XXXXXX | XXXXXX | Sales Price | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;235 | XXXXXX | XXXXXX | Total Monthly Income | 14744.00 | 14571.55 |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | XXXXXX | Borrower 1 Total Income | 8440.00 | 8440.42 |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | XXXXXX | Cash Reserves | 94278.00 | 91488.45 |
| &nbsp;&nbsp;&nbsp;237 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;248 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;248 | XXXXXX | XXXXXX | Cash Reserves | 13823.70 | 3996.03 |
| &nbsp;&nbsp;&nbsp;248 | XXXXXX | XXXXXX | Origination Channel | Correspondent Flow with delegated underwriting | Retail |
| &nbsp;&nbsp;&nbsp;253 | XXXXXX | XXXXXX | Borrower 1 Total Income | 7180.10 | 7856.66 |
| &nbsp;&nbsp;&nbsp;253 | XXXXXX | XXXXXX | Total Monthly Income | 17903.61 | 17465.59 |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | XXXXXX | Cash Reserves | 197202.83 | 904659.14 |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | XXXXXX | Total Monthly Income | 23630.92 | 23441.68 |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | XXXXXX | Borrower 1 Total Income | 30421.19 | 30587.84 |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | XXXXXX | Cash Reserves | 321531.55 | 37471.87 |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | XXXXXX | Total Monthly Income | 30421.19 | 30587.84 |
| &nbsp;&nbsp;&nbsp;262 | XXXXXX | XXXXXX | Cash Reserves | 26311.98 | 24175.66 |
| &nbsp;&nbsp;&nbsp;262 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | XXXXXX | Borrower 1 Total Income | 74413.59 | 74553.03 |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | XXXXXX | Cash Reserves | 1071867.32 | 907282.66 |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | XXXXXX | Total Monthly Income | 74413.59 | 74553.03 |
| &nbsp;&nbsp;&nbsp;265 | XXXXXX | XXXXXX | Cash Reserves | 381118.62 | 342548.35 |
| &nbsp;&nbsp;&nbsp;267 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;267 | XXXXXX | XXXXXX | Cash Reserves | 165999.00 | 41674.62 |
| &nbsp;&nbsp;&nbsp;271 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;274 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;274 | XXXXXX | XXXXXX | Cash Reserves | 202014.98 | 88121.37 |
| &nbsp;&nbsp;&nbsp;274 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;274 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.4950 | 27.2638 |
| &nbsp;&nbsp;&nbsp;275 | XXXXXX | XXXXXX | Cash Reserves | 191125.51 | 71542.75 |
| &nbsp;&nbsp;&nbsp;275 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;277 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;277 | XXXXXX | XXXXXX | Cash Reserves | 104776.20 | 64458.73 |
| &nbsp;&nbsp;&nbsp;277 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| &nbsp;&nbsp;&nbsp;277 | XXXXXX | XXXXXX | Total Monthly Income | 8804.86 | 8804.40 |
| &nbsp;&nbsp;&nbsp;280 | XXXXXX | XXXXXX | Cash Reserves | 187448.22 | 15078.84 |
| &nbsp;&nbsp;&nbsp;280 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 720 | 657 |
| &nbsp;&nbsp;&nbsp;280 | XXXXXX | XXXXXX | Total Monthly Income | 13507.48 | 13634.95 |
| &nbsp;&nbsp;&nbsp;281 | XXXXXX | XXXXXX | Total Monthly Income | 13507.89 | 13489.00 |
| &nbsp;&nbsp;&nbsp;285 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;285 | XXXXXX | XXXXXX | Cash Reserves | 615218.00 | 473669.99 |
| &nbsp;&nbsp;&nbsp;285 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX | Borrower 1 Total Income | 4536.42 | 13193.52 |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX | Cash Reserves | 351085.73 | 673523.34 |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;288 | XXXXXX | XXXXXX | Borrower 1 Total Income | 12896.17 | 16604.03 |
| &nbsp;&nbsp;&nbsp;288 | XXXXXX | XXXXXX | Cash Reserves | 1749331.00 | 1416230.63 |
| &nbsp;&nbsp;&nbsp;288 | XXXXXX | XXXXXX | Total Monthly Income | 17887.27 | 18097.03 |
| &nbsp;&nbsp;&nbsp;290 | XXXXXX | XXXXXX | Borrower 1 Total Income | 18754.16 | 19287.58 |
| &nbsp;&nbsp;&nbsp;290 | XXXXXX | XXXXXX | Cash Reserves | 37961.70 | 64640.10 |
| &nbsp;&nbsp;&nbsp;290 | XXXXXX | XXXXXX | Total Monthly Income | 18754.16 | 19287.58 |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | XXXXXX | Borrower 1 Total Income | 12597.28 | 12573.28 |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | XXXXXX | Cash Reserves | 457933.86 | 146355.22 |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | XXXXXX | Total Monthly Income | 12597.28 | 12573.28 |
| &nbsp;&nbsp;&nbsp;294 | XXXXXX | XXXXXX | Cash Reserves | 194783.44 | 86911.42 |
| &nbsp;&nbsp;&nbsp;295 | XXXXXX | XXXXXX | Cash Reserves | 136657.68 | 69971.46 |
| &nbsp;&nbsp;&nbsp;295 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | SFR |
| &nbsp;&nbsp;&nbsp;296 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;296 | XXXXXX | XXXXXX | Borrower 1 Total Income | 15593.00 | 16125.00 |
| &nbsp;&nbsp;&nbsp;296 | XXXXXX | XXXXXX | Cash Reserves | 155642.64 | 21342.91 |
| &nbsp;&nbsp;&nbsp;296 | XXXXXX | XXXXXX | Total Monthly Income | 24866.00 | 25612.50 |
| &nbsp;&nbsp;&nbsp;297 | XXXXXX | XXXXXX | Borrower 1 Total Income | 35870.48 | 35424.98 |
| &nbsp;&nbsp;&nbsp;297 | XXXXXX | XXXXXX | Origination Channel | Correspondent Flow with delegated underwriting | Retail |
| &nbsp;&nbsp;&nbsp;297 | XXXXXX | XXXXXX | Total Monthly Income | 35870.48 | 35424.98 |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | Borrower 1 Total Income | 42305.15 | 42820.75 |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | Total Monthly Income | 46401.91 | 46624.14 |
| &nbsp;&nbsp;&nbsp;299 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;299 | XXXXXX | XXXXXX | Cash Reserves | 316684.38 | 146808.88 |
| &nbsp;&nbsp;&nbsp;299 | XXXXXX | XXXXXX | Origination Channel | Correspondent Flow without delegated underwriting | Retail |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;300 | XXXXXX | XXXXXX | Cash Reserves | 2318.07 | 2404.73 |
| &nbsp;&nbsp;&nbsp;301 | XXXXXX | XXXXXX | Cash Reserves | 145939.34 | 3649.34 |
| &nbsp;&nbsp;&nbsp;304 | XXXXXX | XXXXXX | Borrower 1 Total Income | 15664.24 | 15664.25 |
| &nbsp;&nbsp;&nbsp;304 | XXXXXX | XXXXXX | Cash Reserves | 136749.00 | 136749.84 |
| &nbsp;&nbsp;&nbsp;304 | XXXXXX | XXXXXX | Total Monthly Income | 19765.80 | 19830.93 |
| &nbsp;&nbsp;&nbsp;305 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;305 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 39.0740 | 34.0404 |
| &nbsp;&nbsp;&nbsp;313 | XXXXXX | XXXXXX | Cash Reserves | 197000.00 | 21148.41 |
| &nbsp;&nbsp;&nbsp;313 | XXXXXX | XXXXXX | Total Monthly Income | 17916.67 | 17916.66 |
| &nbsp;&nbsp;&nbsp;315 | XXXXXX | XXXXXX | Cash Reserves | 111253.99 | 18940.60 |
| &nbsp;&nbsp;&nbsp;316 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;316 | XXXXXX | XXXXXX | Cash Reserves | 679464.20 | 365891.52 |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | XXXXXX | Borrower 1 Total Income | 14087.99 | 14174.98 |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | XXXXXX | Cash Reserves | 437072.26 | 286694.46 |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 46.7690 | 43.0862 |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | XXXXXX | Total Monthly Income | 14087.99 | 14174.98 |
| &nbsp;&nbsp;&nbsp;322 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;322 | XXXXXX | XXXXXX | Cash Reserves | 149875.15 | 9889.79 |
| &nbsp;&nbsp;&nbsp;329 | XXXXXX | XXXXXX | Cash Reserves | 293504.96 | 204591.96 |
| &nbsp;&nbsp;&nbsp;329 | XXXXXX | XXXXXX | Total Monthly Income | 29615.19 | 29601.97 |
| &nbsp;&nbsp;&nbsp;330 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;330 | XXXXXX | XXXXXX | Cash Reserves | 1824487.23 | 2105402.17 |
| &nbsp;&nbsp;&nbsp;331 | XXXXXX | XXXXXX | Cash Reserves | 326450.04 | 26440.83 |
| &nbsp;&nbsp;&nbsp;331 | XXXXXX | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;334 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | SFR |
| &nbsp;&nbsp;&nbsp;334 | XXXXXX | XXXXXX | Total Monthly Income | 15743.72 | 15742.84 |
| &nbsp;&nbsp;&nbsp;337 | XXXXXX | XXXXXX | Borrower 1 Total Income | 15729.36 | 15746.54 |
| &nbsp;&nbsp;&nbsp;337 | XXXXXX | XXXXXX | Cash Reserves | 150141.65 | 17647.16 |
| &nbsp;&nbsp;&nbsp;337 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 35.1750 | 30.8485 |
| &nbsp;&nbsp;&nbsp;337 | XXXXXX | XXXXXX | Total Monthly Income | 24737.70 | 24796.61 |
| &nbsp;&nbsp;&nbsp;340 | XXXXXX | XXXXXX | Cash Reserves | 212560.51 | 51738.79 |
| &nbsp;&nbsp;&nbsp;340 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | XXXXXX | Cash Reserves | 50427.91 | 30138.07 |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;346 | XXXXXX | XXXXXX | Borrower 1 Total Income | 1951.75 | 4145.08 |
| &nbsp;&nbsp;&nbsp;346 | XXXXXX | XXXXXX | Total Monthly Income | 8054.86 | 8068.19 |
| &nbsp;&nbsp;&nbsp;348 | XXXXXX | XXXXXX | Cash Reserves | 293066.50 | 4891.69 |
| &nbsp;&nbsp;&nbsp;348 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;348 | XXXXXX | XXXXXX | Total Monthly Income | 15078.40 | 14431.74 |
| &nbsp;&nbsp;&nbsp;350 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;353 | XXXXXX | XXXXXX | Cash Reserves | 228200.00 | 64177.79 |
| &nbsp;&nbsp;&nbsp;353 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;358 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;358 | XXXXXX | XXXXXX | Total Monthly Income | 20493.09 | 21143.17 |
| &nbsp;&nbsp;&nbsp;361 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;361 | XXXXXX | XXXXXX | Borrower 1 Total Income | 7420.91 | 7413.16 |
| &nbsp;&nbsp;&nbsp;361 | XXXXXX | XXXXXX | Cash Reserves | 9069.92 | 9333.01 |
| &nbsp;&nbsp;&nbsp;361 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |

---

------

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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;361 | XXXXXX | XXXXXX | Total Monthly Income | 11706.68 | 11723.45 |
| &nbsp;&nbsp;&nbsp;365 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;365 | XXXXXX | XXXXXX | Cash Reserves | 110905.74 | 50606.74 |
| &nbsp;&nbsp;&nbsp;367 | XXXXXX | XXXXXX | Cash Reserves | 7337.65 | 7343.16 |
| &nbsp;&nbsp;&nbsp;367 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;367 | XXXXXX | XXXXXX | Total Monthly Income | 10833.00 | 10833.33 |
| &nbsp;&nbsp;&nbsp;371 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;372 | XXXXXX | XXXXXX | Cash Reserves | 95000.00 | 13135.61 |
| &nbsp;&nbsp;&nbsp;372 | XXXXXX | XXXXXX | Total Monthly Income | 72656.54 | 72658.15 |
| &nbsp;&nbsp;&nbsp;376 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Approve/Eligible DU/DO AUS Only |
| &nbsp;&nbsp;&nbsp;376 | XXXXXX | XXXXXX | Cash Reserves | 47290.78 | 47373.88 |
| &nbsp;&nbsp;&nbsp;376 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;377 | XXXXXX | XXXXXX | Cash Reserves | 303428.80 | 93053.98 |
| &nbsp;&nbsp;&nbsp;377 | XXXXXX | XXXXXX | Total Monthly Income | 32457.20 | 38496.84 |
| &nbsp;&nbsp;&nbsp;379 | XXXXXX | XXXXXX | Borrower 1 Total Income | 44267.41 | 43292.71 |
| &nbsp;&nbsp;&nbsp;379 | XXXXXX | XXXXXX | Cash Reserves | 399596.09 | 197132.69 |
| &nbsp;&nbsp;&nbsp;379 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;379 | XXXXXX | XXXXXX | Total Monthly Income | 44267.41 | 43292.71 |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | XXXXXX | Borrower 1 Total Income | 8333.00 | 8333.34 |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | XXXXXX | Cash Reserves | 129716.54 | 1050376.19 |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | XXXXXX | Total Monthly Income | 17524.25 | 17524.59 |
| &nbsp;&nbsp;&nbsp;394 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;394 | XXXXXX | XXXXXX | Borrower 1 Total Income | 14014.00 | 14151.23 |
| &nbsp;&nbsp;&nbsp;394 | XXXXXX | XXXXXX | Cash Reserves | 240000.00 | 5257.79 |
| &nbsp;&nbsp;&nbsp;394 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;394 | XXXXXX | XXXXXX | Total Monthly Income | 14014.00 | 14151.23 |
| &nbsp;&nbsp;&nbsp;396 | XXXXXX | XXXXXX | Borrower 1 Total Income | 20104.22 | 19970.51 |
| &nbsp;&nbsp;&nbsp;396 | XXXXXX | XXXXXX | Cash Reserves | 336255.94 | 199042.63 |
| &nbsp;&nbsp;&nbsp;396 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;396 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;396 | XXXXXX | XXXXXX | Total Monthly Income | 25000.80 | 24867.09 |
| &nbsp;&nbsp;&nbsp;402 | XXXXXX | XXXXXX | Borrower 1 Total Income | 18279.00 | 18279.83 |
| &nbsp;&nbsp;&nbsp;402 | XXXXXX | XXXXXX | Cash Reserves | 255359.00 | 65670.59 |
| &nbsp;&nbsp;&nbsp;403 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;403 | XXXXXX | XXXXXX | Borrower 1 Total Income | 19166.00 | 19166.66 |
| &nbsp;&nbsp;&nbsp;403 | XXXXXX | XXXXXX | Cash Reserves | 376191.00 | 263665.44 |
| &nbsp;&nbsp;&nbsp;403 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;403 | XXXXXX | XXXXXX | Total Monthly Income | 19166.00 | 19166.66 |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | XXXXXX | Cash Reserves | 28325.25 | 23570.83 |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;413 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;413 | XXXXXX | XXXXXX | Cash Reserves | 35406.00 | 35605.79 |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | XXXXXX | Cash Reserves | 259878.02 | 135020.02 |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;425 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |

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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;425 | XXXXXX | XXXXXX | Borrower 1 Total Income | 26859.66 | 26859.72 |
| &nbsp;&nbsp;&nbsp;425 | XXXXXX | XXXXXX | Cash Reserves | 32821.42 | 10834.56 |
| &nbsp;&nbsp;&nbsp;425 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;425 | XXXXXX | XXXXXX | Total Monthly Income | 43891.74 | 43891.80 |
| &nbsp;&nbsp;&nbsp;427 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;427 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 30.4460 | 34.1815 |
| &nbsp;&nbsp;&nbsp;429 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;432 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;432 | XXXXXX | XXXXXX | Borrower 1 Total Income | 20192.00 | 20192.19 |
| &nbsp;&nbsp;&nbsp;432 | XXXXXX | XXXXXX | Cash Reserves | 21582.58 | 3143.69 |
| &nbsp;&nbsp;&nbsp;432 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;434 | XXXXXX | XXXXXX | Cash Reserves | 171094.12 | '-1842.75 |
| &nbsp;&nbsp;&nbsp;436 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;436 | XXXXXX | XXXXXX | Cash Reserves | 56637.24 | 40765.85 |
| &nbsp;&nbsp;&nbsp;437 | XXXXXX | XXXXXX | Cash Reserves | 149780.82 | 213972.60 |
| &nbsp;&nbsp;&nbsp;437 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;439 | XXXXXX | XXXXXX | Cash Reserves | 73604.00 | 73604.84 |
| &nbsp;&nbsp;&nbsp;439 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;439 | XXXXXX | XXXXXX | Total Monthly Income | 18210.78 | 18210.21 |
| &nbsp;&nbsp;&nbsp;449 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;449 | XXXXXX | XXXXXX | Cash Reserves | 605473.76 | 37390.78 |
| &nbsp;&nbsp;&nbsp;449 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.0300 | 48.2119 |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | XXXXXX | Cash Reserves | 3728.36 | 2908.53 |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 45.5010 | 41.0359 |
| &nbsp;&nbsp;&nbsp;453 | XXXXXX | XXXXXX | Borrower 1 Total Income | 15771.33 | 15712.07 |
| &nbsp;&nbsp;&nbsp;453 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;453 | XXXXXX | XXXXXX | Total Monthly Income | 15771.33 | 15712.07 |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | XXXXXX | Total Monthly Income | 9623.89 | 9578.25 |
| &nbsp;&nbsp;&nbsp;457 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;458 | XXXXXX | XXXXXX | Borrower 1 Total Income | 21116.74 | 20833.33 |
| &nbsp;&nbsp;&nbsp;458 | XXXXXX | XXXXXX | Cash Reserves | 37784.00 | 33752.84 |
| &nbsp;&nbsp;&nbsp;458 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;458 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;458 | XXXXXX | XXXXXX | Total Monthly Income | 24423.74 | 24264.35 |
| &nbsp;&nbsp;&nbsp;459 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;459 | XXXXXX | XXXXXX | Cash Reserves | 79335.74 | 77383.81 |
| &nbsp;&nbsp;&nbsp;459 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 25 Yr Fixed |
| &nbsp;&nbsp;&nbsp;462 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;462 | XXXXXX | XXXXXX | Cash Reserves | 166142.55 | 14554.90 |
| &nbsp;&nbsp;&nbsp;462 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| &nbsp;&nbsp;&nbsp;463 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;466 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;466 | XXXXXX | XXXXXX | Cash Reserves | 46859.73 | 44600.05 |
| &nbsp;&nbsp;&nbsp;467 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;467 | XXXXXX | XXXXXX | Cash Reserves | 27134.16 | 14677.16 |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | XXXXXX | Cash Reserves | 156597.51 | 44653.84 |
| &nbsp;&nbsp;&nbsp;472 | XXXXXX | XXXXXX | Cash Reserves | 6493.00 | 6494.17 |
| &nbsp;&nbsp;&nbsp;472 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;474 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |

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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;474 | XXXXXX | XXXXXX | Cash Reserves | 52721.89 | 46590.62 |
| &nbsp;&nbsp;&nbsp;475 | XXXXXX | XXXXXX | Cash Reserves | 170786.07 | 22165.50 |
| &nbsp;&nbsp;&nbsp;477 | XXXXXX | XXXXXX | Cash Reserves | 166763.30 | 87505.39 |
| &nbsp;&nbsp;&nbsp;477 | XXXXXX | XXXXXX | Total Monthly Income | 13612.06 | 13701.94 |
| &nbsp;&nbsp;&nbsp;479 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;479 | XXXXXX | XXXXXX | Cash Reserves | 157746.35 | 30982.70 |
| &nbsp;&nbsp;&nbsp;482 | XXXXXX | XXXXXX | Cash Reserves | 100255.14 | 88471.04 |
| &nbsp;&nbsp;&nbsp;482 | XXXXXX | XXXXXX | Total Monthly Income | 22300.81 | 22300.83 |
| &nbsp;&nbsp;&nbsp;485 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;485 | XXXXXX | XXXXXX | Borrower 1 Total Income | 25326.00 | 25326.80 |
| &nbsp;&nbsp;&nbsp;485 | XXXXXX | XXXXXX | Total Monthly Income | 25326.00 | 25326.80 |
| &nbsp;&nbsp;&nbsp;487 | XXXXXX | XXXXXX | Borrower 1 Total Income | 26295.75 | 26287.49 |
| &nbsp;&nbsp;&nbsp;487 | XXXXXX | XXXXXX | Total Monthly Income | 26295.75 | 26287.49 |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | XXXXXX | Borrower 1 Total Income | 8914.00 | 8914.66 |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | XXXXXX | Cash Reserves | 125000.00 | 5317.92 |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 46.6280 | 40.1810 |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | XXXXXX | Total Monthly Income | 10795.00 | 11401.54 |
| &nbsp;&nbsp;&nbsp;491 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;491 | XXXXXX | XXXXXX | Borrower 1 Total Income | 6250.00 | 6249.99 |
| &nbsp;&nbsp;&nbsp;491 | XXXXXX | XXXXXX | Cash Reserves | 97941.14 | 9568.08 |
| &nbsp;&nbsp;&nbsp;491 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;491 | XXXXXX | XXXXXX | Total Monthly Income | 11377.20 | 11377.19 |
| &nbsp;&nbsp;&nbsp;495 | XXXXXX | XXXXXX | Borrower 1 Total Income | 40550.30 | 44309.88 |
| &nbsp;&nbsp;&nbsp;495 | XXXXXX | XXXXXX | Cash Reserves | 64689.79 | 44696.83 |
| &nbsp;&nbsp;&nbsp;495 | XXXXXX | XXXXXX | Loan Purpose | Rate and Term Refi | Construction/Perm |
| &nbsp;&nbsp;&nbsp;497 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;498 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;502 | XXXXXX | XXXXXX | Cash Reserves | 169439.11 | 11360.40 |
| &nbsp;&nbsp;&nbsp;503 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;503 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;503 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 28.7120 | 24.8396 |
| &nbsp;&nbsp;&nbsp;504 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;504 | XXXXXX | XXXXXX | Borrower 1 Total Income | 24252.53 | 25082.81 |
| &nbsp;&nbsp;&nbsp;504 | XXXXXX | XXXXXX | Cash Reserves | 7880.58 | 6555.84 |
| &nbsp;&nbsp;&nbsp;504 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;504 | XXXXXX | XXXXXX | Total Monthly Income | 24252.53 | 25082.81 |
| &nbsp;&nbsp;&nbsp;508 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;508 | XXXXXX | XXXXXX | Borrower 1 Total Income | 23333.00 | 23333.33 |
| &nbsp;&nbsp;&nbsp;508 | XXXXXX | XXXXXX | Cash Reserves | 71864.36 | 424877.63 |
| &nbsp;&nbsp;&nbsp;508 | XXXXXX | XXXXXX | Total Monthly Income | 23333.00 | 23333.33 |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | XXXXXX | Borrower 1 First Name | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | XXXXXX | Borrower 1 Last Name | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | XXXXXX | Borrower 1 Total Income | 17489.00 | 15125.00 |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | XXXXXX | Loan Purpose | Cashout Refi | Purchase |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | XXXXXX | Note Rate | 5.99 | 6.5000 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | XXXXXX | Property City | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | XXXXXX | Property State | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | XXXXXX | Property Type | SFR | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | XXXXXX | Property Zip | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 714 | 790 |
| &nbsp;&nbsp;&nbsp;511 | XXXXXX | XXXXXX | Total Monthly Income | 17489.00 | 15125.00 |
| &nbsp;&nbsp;&nbsp;512 | XXXXXX | XXXXXX | Cash Reserves | 11003.47 | 776.56 |
| &nbsp;&nbsp;&nbsp;515 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;515 | XXXXXX | XXXXXX | Cash Reserves | 115479.61 | 105401.21 |
| &nbsp;&nbsp;&nbsp;515 | XXXXXX | XXXXXX | Total Monthly Income | 25161.67 | 25158.98 |
| &nbsp;&nbsp;&nbsp;520 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;520 | XXXXXX | XXXXXX | Borrower 1 Total Income | 11334.27 | 11334.25 |
| &nbsp;&nbsp;&nbsp;520 | XXXXXX | XXXXXX | Cash Reserves | 166867.42 | 5199.85 |
| &nbsp;&nbsp;&nbsp;520 | XXXXXX | XXXXXX | Total Monthly Income | 11334.27 | 11334.25 |
| &nbsp;&nbsp;&nbsp;521 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;521 | XXXXXX | XXXXXX | Borrower 1 Total Income | 22260.89 | 22994.93 |
| &nbsp;&nbsp;&nbsp;521 | XXXXXX | XXXXXX | Cash Reserves | 195087.72 | 24068.27 |
| &nbsp;&nbsp;&nbsp;521 | XXXXXX | XXXXXX | Total Monthly Income | 33700.72 | 36015.84 |
| &nbsp;&nbsp;&nbsp;522 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;522 | XXXXXX | XXXXXX | Cash Reserves | 14264.48 | 7240.33 |
| &nbsp;&nbsp;&nbsp;522 | XXXXXX | XXXXXX | Total Monthly Income | 27091.12 | 27168.79 |
| &nbsp;&nbsp;&nbsp;524 | XXXXXX | XXXXXX | Borrower 1 Total Income | 26757.00 | 27688.32 |
| &nbsp;&nbsp;&nbsp;524 | XXXXXX | XXXXXX | Cash Reserves | 157418.31 | 62771.99 |
| &nbsp;&nbsp;&nbsp;524 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 40.7620 | 37.2581 |
| &nbsp;&nbsp;&nbsp;524 | XXXXXX | XXXXXX | Total Monthly Income | 26757.00 | 27688.32 |
| &nbsp;&nbsp;&nbsp;525 | XXXXXX | XXXXXX | Borrower 1 Total Income | 15275.00 | 24052.22 |
| &nbsp;&nbsp;&nbsp;525 | XXXXXX | XXXXXX | Cash Reserves | 201976.74 | 203852.25 |
| &nbsp;&nbsp;&nbsp;525 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;530 | XXXXXX | XXXXXX | Borrower 1 Total Income | 5828.33 | 8838.73 |
| &nbsp;&nbsp;&nbsp;530 | XXXXXX | XXXXXX | Cash Reserves | 72459.01 | 45971.38 |
| &nbsp;&nbsp;&nbsp;533 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;533 | XXXXXX | XXXXXX | Cash Reserves | 272349.37 | 119682.19 |
| &nbsp;&nbsp;&nbsp;534 | XXXXXX | XXXXXX | Cash Reserves | 226940.93 | 66426.15 |
| &nbsp;&nbsp;&nbsp;534 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;539 | XXXXXX | XXXXXX | Cash Reserves | 250614.08 | 91213.58 |
| &nbsp;&nbsp;&nbsp;540 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;540 | XXXXXX | XXXXXX | Borrower 1 Total Income | 28667.20 | 28726.30 |
| &nbsp;&nbsp;&nbsp;540 | XXXXXX | XXXXXX | Cash Reserves | 41635.01 | 39757.83 |
| &nbsp;&nbsp;&nbsp;540 | XXXXXX | XXXXXX | Total Monthly Income | 28667.20 | 28726.30 |
| &nbsp;&nbsp;&nbsp;541 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;541 | XXXXXX | XXXXXX | Borrower 1 Total Income | 41343.00 | 42176.77 |
| &nbsp;&nbsp;&nbsp;541 | XXXXXX | XXXXXX | Cash Reserves | 118070.68 | 111446.94 |
| &nbsp;&nbsp;&nbsp;541 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 29.5750 | 38.0635 |
| &nbsp;&nbsp;&nbsp;541 | XXXXXX | XXXXXX | Total Monthly Income | 32893.00 | 42176.77 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;542 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | No | Yes |
| &nbsp;&nbsp;&nbsp;542 | XXXXXX | XXXXXX | Borrower 2 Self Employed Flag | No | Yes |
| &nbsp;&nbsp;&nbsp;542 | XXXXXX | XXXXXX | Cash Reserves | 281511.76 | 1085350.52 |
| &nbsp;&nbsp;&nbsp;542 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;542 | XXXXXX | XXXXXX | Total Monthly Income | 14275.57 | 14413.91 |
| &nbsp;&nbsp;&nbsp;544 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;544 | XXXXXX | XXXXXX | Borrower 1 Total Income | 9729.32 | 9729.20 |
| &nbsp;&nbsp;&nbsp;544 | XXXXXX | XXXXXX | Cash Reserves | 109583.20 | 59583.20 |
| &nbsp;&nbsp;&nbsp;544 | XXXXXX | XXXXXX | Total Monthly Income | 9729.32 | 9729.20 |
| &nbsp;&nbsp;&nbsp;546 | XXXXXX | XXXXXX | Borrower 1 First Name | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;546 | XXXXXX | XXXXXX | Borrower 1 Last Name | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;546 | XXXXXX | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;546 | XXXXXX | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;546 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;551 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;551 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;563 | XXXXXX | XXXXXX | Cash Reserves | 210496.70 | 204645.54 |
| &nbsp;&nbsp;&nbsp;564 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;564 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;564 | XXXXXX | XXXXXX | Cash Reserves | 275049.52 | 117811.90 |
| &nbsp;&nbsp;&nbsp;565 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;565 | XXXXXX | XXXXXX | Cash Reserves | 87839.42 | 44580.60 |
| &nbsp;&nbsp;&nbsp;565 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | XXXXXX | Borrower 1 Total Income | 6309.89 | 6375.00 |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | XXXXXX | Cash Reserves | 584064.80 | 447609.20 |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | XXXXXX | Total Monthly Income | 18809.89 | 18875.00 |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | XXXXXX | Cash Reserves | 416727.64 | 187822.71 |
| &nbsp;&nbsp;&nbsp;571 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;571 | XXXXXX | XXXXXX | Total Monthly Income | 16945.24 | 16952.14 |
| &nbsp;&nbsp;&nbsp;572 | XXXXXX | XXXXXX | Borrower 1 Total Income | 16074.63 | 16666.00 |
| &nbsp;&nbsp;&nbsp;572 | XXXXXX | XXXXXX | Cash Reserves | 10102.15 | 9170.77 |
| &nbsp;&nbsp;&nbsp;572 | XXXXXX | XXXXXX | Total Monthly Income | 16074.63 | 16666.00 |

---

<sup>©</sup>2026 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:**<br> **Client Project Name:** | PennyMac<br> PNMAC PMTLT 2026-CNF2 Securitization_J16508 |
| **Valuations Summary** |  |
| *Loans In Report:* | *254* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | **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** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **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 Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review<br>Value** | **Variance Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance Amount** | **Variance<br>(%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date -<br>Other** | **Value<br>-<br>Other** | **Variance Amount -<br>Other** | **Variance<br>(%) -<br>Other** | **CU / LCA<br>Score** | **Valuation<br>Comments<br>Audit** |
| &nbsp;&nbsp;&nbsp;&nbsp; 3 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $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 | -5.55% | XXXXXX | XXXXXX | XXXXXX | -11.54% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 5 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 5.88% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 7 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 8 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $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 | -9.28% | XXXXXX | XXXXXX | XXXXXX | -13.77% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 9 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -14.12% |  | $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; 14 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 1.63% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 16 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 7.08% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 17 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 999 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 18 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 0.23% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 19 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 24 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 1.18% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 28 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 31 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 33 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 37 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 2.15% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 41 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 42 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 45 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -5.25% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 46 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 53 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 54 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $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 | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 59 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 60 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 14.03% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 63 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 64 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 67 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.70% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 72 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $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; 77 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 0.31% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 80 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 81 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 82 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 87 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 24.56% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 90 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 93 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $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 | -14.29% | XXXXXX | XXXXXX | XXXXXX | -18.65% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 94 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 97 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 15.41% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 98 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 101 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -5.22% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 102 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 3.43% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 104 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -4.97% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 105 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -7.69% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 107 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 108 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $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 | -2.34% | XXXXXX | XXXXXX | XXXXXX | -16.99% |  |  | $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% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |  |

---

------

---

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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** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **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 Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review<br>Value** | **Variance Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance Amount** | **Variance<br>(%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date -<br>Other** | **Value<br>-<br>Other** | **Variance Amount -<br>Other** | **Variance<br>(%) -<br>Other** | **CU / LCA<br>Score** | **Valuation<br>Comments<br>Audit** |
| &nbsp;&nbsp;&nbsp;&nbsp; 112 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -4.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 117 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 119 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 1.14% |  |  | $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) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 124 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 125 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $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 | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 14.90% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 129 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 13.91% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 132 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 0.10% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 136 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 1.28% |  |  | $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% |  |  | $0.00 | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 141 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 142 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $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% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.03% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 145 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 148 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 151 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -4.90% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 154 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 6.67% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 157 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 5.62% |  |  | $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) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 159 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 11.84% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 163 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.31% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 164 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 10.81% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 169 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 170 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 173 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.9 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 174 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -2.22% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 175 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 176 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 179 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 181 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 62.05% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 183 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 0.46% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 184 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $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 | -5.85% | XXXXXX | XXXXXX | XXXXXX | -13.67% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 186 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 6.18% |  |  | $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% |  |  | $0.00 | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 191 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $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% |  |  | $0.00 | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 193 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -2.99% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 201 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 0.73% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 203 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 2.33% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 206 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -1.50% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 207 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 208 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 209 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 210 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 5.57% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 212 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 213 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 214 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 215 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 4.54% |  |  | $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** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **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 Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review<br>Value** | **Variance Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance Amount** | **Variance<br>(%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date -<br>Other** | **Value<br>-<br>Other** | **Variance Amount -<br>Other** | **Variance<br>(%) -<br>Other** | **CU / LCA<br>Score** | **Valuation<br>Comments<br>Audit** |
| &nbsp;&nbsp;&nbsp;&nbsp; 216 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 5.26% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 217 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 218 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 219 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 221 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 224 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 18.36% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 225 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 226 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 227 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 229 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 231 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 232 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -0.69% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 234 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 235 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 236 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 23.77% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 237 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -9.64% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 248 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -4.48% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 253 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 255 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 2.92% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 258 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 259 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 262 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 264 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 265 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 267 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 3.45% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 271 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 274 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -6.25% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 275 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 277 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 5.48% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 280 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 281 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 285 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 287 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 288 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 290 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 292 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 294 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 295 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 296 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -1.39% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 297 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 298 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 299 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 1.47% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 300 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 301 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 304 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 305 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -1.09% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 313 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 315 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 316 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -2.70% |  |  | $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% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |  |

---

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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** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **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 Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review<br>Value** | **Variance Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance Amount** | **Variance<br>(%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date -<br>Other** | **Value<br>-<br>Other** | **Variance Amount -<br>Other** | **Variance<br>(%) -<br>Other** | **CU / LCA<br>Score** | **Valuation<br>Comments<br>Audit** |
| &nbsp;&nbsp;&nbsp;&nbsp; 322 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 329 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 330 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 331 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 334 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 337 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 340 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 342 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 346 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -13.08% |  | $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% | 3.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 348 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 350 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 353 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 358 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 361 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 0.70% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 365 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 0.84% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 367 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 369 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 371 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 0.17% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 372 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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% |  |  | $0.00 | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 375 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 376 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 377 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -10.12% |  | $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% | 4.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 379 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 381 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 389 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 393 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 394 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 396 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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% |  |  | $0.00 | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 402 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 403 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 0.35% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 405 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 1.85% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 412 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 413 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 6.93% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 417 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 425 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 5.84% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 427 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 429 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -5.76% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 431 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 432 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 10.00% |  |  | $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% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 436 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 19.50% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 437 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 439 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 449 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 451 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 453 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 454 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 457 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |  |

---

------

---

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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** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **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 Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review<br>Value** | **Variance Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance Amount** | **Variance<br>(%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date -<br>Other** | **Value<br>-<br>Other** | **Variance Amount -<br>Other** | **Variance<br>(%) -<br>Other** | **CU / LCA<br>Score** | **Valuation<br>Comments<br>Audit** |
| &nbsp;&nbsp;&nbsp;&nbsp; 458 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 459 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -0.50% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 462 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 463 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 56.34% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 466 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 1.28% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 467 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 20.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 468 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 471 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 472 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 474 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -7.69% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 475 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 477 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 479 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 482 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 484 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 485 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -8.73% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 487 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 489 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 490 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -2.44% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 491 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -1.12% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 495 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -100.00% |  | $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% | 4.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 497 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -15.07% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 498 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $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 | -2.89% | XXXXXX | XXXXXX | XXXXXX | -16.27% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 502 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 503 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 504 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -6.25% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 508 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -9.60% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 511 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 512 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 515 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 520 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 521 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 522 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 0.56% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 524 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 525 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 530 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 533 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 2.28% |  |  | $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% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 539 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 540 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $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 | -27.65% | XXXXXX | XXXXXX | XXXXXX | -28.70% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 541 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 542 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 544 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 546 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 549 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 551 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 553 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.72% |  | $0.00 | $0.00 | 0.00% |  | $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; 554 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 557 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 564 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 0.73% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 565 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -1.15% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 566 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 567 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 571 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -3.87% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 572 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.3 |  |

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*The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com*